davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-07
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: EQUIFAX, INC. (FL)

My equifax credit report shows a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2018 which i do not recognize. I have paced a fraud protection watch through equifax. There is no contact information for the company checking the report
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fenton & McGarvey Law Firm, P.S.C. (FL)

on XX/XX/XXXX XXXX XXXX credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by Fenton McGarvey Law firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX  was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payment, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed XXXX  and Fenton Mcgarvey several times more than 20 times with the attached settlement agreement sent by XXXX  and the total amount of payment made to the new debit collector. See attachment of email from me and my attorney. XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement.

XXXX XXXX must report as XXXX balance. thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. thankyou XXXX XXXX
Consumer complaint received 2018-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

trying to see my credit report not letting me see it cra, ftc  violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier XXXX has 5 inquires and transunion that are not mine encloses
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the Bank of America portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact Bank of America and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure Bank of America records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NY)

Discover credit card asked me to send a physical copy of my social security number despite me having uploaded it a clearly legible one online. They closed my account when I did not send it. They didnt explain why they need multiple copies. 
They are also keeping the digital copy of my social security card on their servers for 5 years, despite having closed my account.
Consumer complaint received 2018-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( Transunion and XXXX  ), XXXX XXXX ( XXXX, XXXX and Transunion ), XXXX ( XXXX and Transunion ), XXXX XXXX ( XXXX, XXXX  and Transunion ), XXXX ( XXXX  and Transunion ), XXXX XXXX ( XXXX, XXXX  and Transunion ), XXXX  ( XXXX, XXXX  and Transunion ), XXXX XXXX XXXX ( XXXX, XXXX and Transunion ), XXXX ( XXXX  and Transunion ), Bankruptcy : Voluntary CH-XXXX ( XXXX, XXXX  and Transunion ).
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MI)

Hello, I was a victim of identity theft and once I discovered this I immediate froze my account, filed a police report, and followed all of the necessary steps to rectify this problem. My account was compromised for some time without my knowledge with me being in the service. I am having a problem with XXXX/DSNB ( {$520.00} ) reporting to XXXX  that this account is mine and is showing to be negative. They say this account was open over 7 years ago and also showing a balance. I presented all of my documents to the credit bureaus and had this removed from XXXX and also XXXX, however XXXX XXXX is continuing to report to XXXX  which isn't fair. I have sent numerous letters and made over 20 phone calls, attempting to work with them and provided everything necessary to get this fraudulent account removed but to no avail. I have no choice but to come to you and ask for help for this is so wrong and I feel like they are bullying me. Please help me rectify this situation.
Consumer complaint received 2018-08-03
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (OH)

4 fraudulent charges were made to the card beginning XX/XX/18. These were immediately reported to American Express Serve, and they were asked to investigate the charges, put a hold on the card and issue a new card. The account has over {$700.00} in it, and the money is needed to pay bills. No card has been issued. No report on the fraud has been given. The card is frozen and I can not get my money. Whenever I call, which is every week, I am told they will have it resolved in 5-7 days, This has been going on since XX/XX/XXXX.
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (GA)

After defaulting on the loan due to no longer having a job, my XXXX XXXX account was sent to Synchrony Bank. Once I defaulted, I received harassing emails and phone calls from Synchrony Bank multiple times a day, so I simply told them to stop calling me until I can pay the loan off. As a XXXX XXXX XXXX, the defaulted loan caused my XXXX XXXX XXXX to be denied. I needed to provide proof the loan was paid in full in order to get my XXXX XXXX. 

On XX/XX/year>, I called Synchrony Bank to set up a settlement to pay off the loan for less than the amount due. We reached an agreement to pay off the loan for less than the amount for around {$800.00}. I requested a confirmation email of my payment and the settlement agreement sent via email. I was told by the agent that I had a " cease and desist '' on my account because I told them to stop calling me and that I could not get sent communications unless it was taken off. Although it sounded like a stretch of the truth, I asked how to take it off and was told to fax a number requesting for its removal. and after XXXX hours it would be taken off the account. I sent the fax but it was returned. I sent multiple more, all returned. I called back and was told that I was given the wrong fax. 

Growing increasingly concerned for the way this was being handled, I relented and sent the fax to the correct number and paid off the account. I called back 2 days later expecting the cease and desist to be removed from my account and the confirmations sent to me. To my surprise, Synchrony Bank added another hoop preventing me from getting my confirmations. They told me it would take 30 days to get a letter in the mail that my account was paid in full, quite long but fine, I just want my confirmations now. I was then told that my account was no longer at Synchrony Bank, it was with a different " agency '' and that they can not send my confirmations even through I sent the fax they requested because it will take 30 days for Synchrony to receive my account again. I asked what agency and she said she didn't know. I requested to speak to a manager and the manager said the " agency '' was actually Synchrony bank. Excuse me?

You can understand my confusion here, I was told I can get these confirmations of payment and settlement agreement via email if I sent the fax. I sent the fax and now I can not get said confirmations because my account has been moved from Synchrony ... ... to Synchrony. I was to speak with another supervisor and after waiting XXXX minutes, was hung up on. 

There is something going very wrong with a company that can not simply send communications confirming large sums of payments and requiring so many hoops just to get XXXX. I just want email confirmation of my payment and email confirmation of the settlement agreement. For Synchrony to refuse to send this and lie about the reasons why, makes them a suspicious business engaging in unethical business practices.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

on XXXX XXXX Chase card receive a dispute letter sign by XXXX XXXX .I have retained new copies of my credit reports, and noticed that Chase Card did not furnish the credit bureaus with the required disclosure, within the period required by law. they are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XX/XX/2018 ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2018-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America reported that I have a payment greater than 30 days past due in XX/XX/XXXX. However, the statement I received in XX/XX/XXXX was misleading and led to a misunderstanding about the actual due date for the payment. The XXXX statement combines the overdue amount with new charges and assigned a new due date of XX/XX/XXXX. Because of this layout, and failure to identify that a subset of this amount was actually due before XX/XX/XXXX, my actual payment date of XX/XX/XXXX was considered late for the overdue amount from XXXX. I'd like to make sure that others don't suffer from a similar misinterpretation.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ceannate (FL)

1. Throughout the month of XX/XX/XXXX and XX/XX/XXXX, the company called me repeatedly without even identifying themselves. When asked for their identity, they stated that they were unable to provide me with any information because they were unable to confirm my identity and/or verify my account. It is to be noted that owing to their failure to answer my questions as to the authenticity of their multiple calls and/or company, I was apprehensive about sharing my personal information, especially my social security number. 

2. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX ( FMS ) dated XX/XX/XXXX alleging that I owed their client {$7800.00}. This was my first official contact with this company as they had refused to talk to me because they could not verify my identity and did not disclose who they were. 

3. I responded to their letter dated XX/XX/XXXX by certified mail on XX/XX/XXXX. Therein, I disputed the debt, dismissed it in its entirety and requested verification. You will also notice that I specifically stated that their calls were being construed as harassment. 

4. Pursuant to the FDCPA, I sent in a DEBT VALIDATION AND/OR VERIFICATION REQUEST by CERTIFIED MAIL on XX/XX/XXXX which FMS received on XX/XX/XXXX at XXXX XXXX. Despite sending in this request FMS continued to call my phone repeatedly. FMS called me on XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX8 at XXXX XXXX from telephone number XXXX. The person I spoke with during those unlawful calls stated that her name was XXXX. XXXX demanded that I provided her with my SSN or part thereof and stated blatantly that WE WILL CONTINUE TO CALL YOUR NUMBER 5. FMS, by continuing to harass me by telephone, and by reporting the debt to the XXXX XXXX XXXX after they received my request for debt validation on XX/XX/XXXX at XXXX XXXX, have violated my rights under FDCPA. You will notice that FMS continued collection activities after they received my request for debt validation. They have also listed an unverified debt of {$7800.00} on my credit report. 

6. In light of the foregoing, FMS has sent an unverified debt to the credit bureaus in violation of Federal Law. With the help of the Consumer Financial Protection Bureau, I hereby request that FMS be investigated for their practices and all damaging information be deleted from my credit report.
Consumer complaint received 2018-07-07
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. (MD)

Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (GA)

My name is XXXX XXXX, I got a private student loan back in XX/XX/XXXX from next student my boyfriend at time now my husband co-signed for the loan. The loan was deferred for years. In XX/XX/XXXX the first payment was due I made payment up until XX/XX/XXXX but I was unable to continue payments. Now in XX/XX/XXXX Im being served with court documents that XXXX XXXX XXXX XXXX has a judgement against my husband and I for over XXXX plus their XXXX attorney fees. The attorney XXXX XXXX is not willing to work with me and he is demanding personal information that has nothing to do with the debt at hand.
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hewitt-Capital (TX)

A lady presenting her self as an attorney and or a paralegal in one message, her name is XXXX XXXX. She stated it is imperative that I contact her at once or she will be forced to pursue further action or contact my county for legal actions or arrest at work.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

To Whom It May Concern, The reason for me filing this complaint is due to Portfolio Recovery Associates failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Due to hardship, financial situations and a XXXX  in the family it shows that I have a late payment for Kohls. I dont recall having a late payment. Im trying to remove the late payment from my credit. I have been on time with every payment making double payments or more and I still cant get an increase with Kohls. Please remove the late payment from my credit report so I can move forward. Ive tried writing letters and even cool down but still cant get an answer.
Consumer complaint received 2018-07-07
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)

This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Herbert P. Sears Co., Inc. (TN)

I joined the military in XX/XX/2015, at that time I had to have my braces removed early due to my military orders. The original creditor agreed to remove the braces early and terminate the remaining payments on the contract. I do not owe the original creditor. Since that time the current debt collection company continues to report a debt of {$1700.00} on my credit report. This is false information that I would like reported from my credit report immediately. I am prepared to provide proof of military service, if necessary.