davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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: Mortgage Research Center, LLC (OR)

Have a veterans loan with Veterans United. Veterans United automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. VU never completed a phone call or mail notification of the problem. VU removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with VU for weeks to correct the problem. However VU and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. 
In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. 

I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. 

I proceeded to correct my error and made a full payment. 

Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. 

I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. 

I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. 

I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on/around XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been more than 4 months and I have not received a formal written response back from XXXX  or TransUnion. I know that the credit bureaus received my requests because I did receive a response back from XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (GA)

I recently reviewed my consumer report and noticed bankruptcies listed that I believe are inaccurate. After researching consumer protection laws, I have reason to suspect this may violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c ( a ) ( 4 ) regarding reporting of bankruptcies.

I am concerned that my personal information may have been disclosed without proper authorization. As I believe I may be a victim of identity theft, I request that you thoroughly investigate these entries and remove any inaccurate or fraudulent information immediately.
Consumer complaint received 2020-12-05
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. (AL)

I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XX/XX/2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to XX/XX/XXXX, XX/XX/XXXX, and Transunion with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PA)

Spontaneously, an email was sent stating there would be a decrease in credit line for inaccurate reasons. Upon reviewing credit report and credit score ( as credit has been frozen since beginning of year ), information provided by the credit card company is again, inaccurate. 
I have had an account with said, credit card company, for many years. Maintaining bill payment and well standing account. All accounts on credit report have some of the lowest balances currently, than before. 
It seems the credit card company are not honoring their ethical standard but compromising or punishing consumers for paying bill on time, etc. 
The should be reviewed and credit line on account should be reinstated, as I am disputing all inaccurate information and standing as advocate for this biased handling of account.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P. (MD)

SW CREDIT SYSTEMS INC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, SW CREDIT SYSTEMS INC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (TX)

Company involved is Citi bank card with regards to their Advantage platinum select card ( XXXX ). There was an unidentified charge made to the card, however this specific card has never been received, activated, or used. The charge occurred on XX/XX/2020. The account was immediately closed although there had never been any activity on it before. The account was charged {$99.00} for an annual fee. The company linked the card to a different account that has a different card number ( XXXX ). 
My concern is that the card ending in ( XXXX ) was never received/activated/or used. I feel this is fraudulent behavior on part of the bank. I have written to the office of the President of Citi Bank/Card and still awaiting a response. In the meantime, my credit rating has dropped from XXXX to XXXX. I have ended up paying {$180.00} to resolve the issue, my concern is the drop in my credit rating due to inaccurate charges and my ongoing dispute with Citi Bank regarding this alleged credit card, which was once again never received or activated. I have reported this to XXXX/XXXX without resolution. Citi Bank refers the report to the previous credit cards ( XXXX ) which had been in good standing. 
In summary, I am concerned about the unacknowledged credit card and the drop in my credit score, in spite of paying the originally fee plus penalties, in total being {$180.00}. 
All my credit cards have been in good standing prior to this and I really feel I was manipulated and not dealt fairly by Citi Bank.
Consumer complaint received 2020-11-27
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Transunion, XXXX  & XXXX  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

My mortgage company, Lakeview is overcharging me in my escrow account. In XXXX, an escrow analysis was done. I had a {$2000.00} overage. Which was mailed to me in XXXX. My taxes went down due to a reassessment and a Homestead Rebate. I mailed them the new tax bills to reflect this reduction. They paid the correct lower amounts, but never updated their system. When the analysis was done it was based on the XXXX figures. I explained they needed to update their system with the XXXX figures and do a new analysis. I spoke with the escrow department. The analysis department doesn't take or receive phone calls. A new analysis was done based on the XXXX figures, so nothing was changed. 
I called a second time and again nothing was updated. The third time I asked to speak for a person in management. The management women never gave me her name. After 45 minutes on the phone I was disconnected. I waited an hour for her to call back with no return call. I called for a fourth time again asked for a manager. I spoke to XXXX of XXXX  XXXX. She understood what I was talking about and said it would be corrected within a week. Nothing was updated even after this call. 
I called a fifth time, asked for a manager. I spoke with XXXX XXXX. He told me there was nothing wrong with the figures and rudely stated I didn't understand how it worked. Since they wouldn't adjust the escrow after this fifth call I requested that I stop the escrow portion of my payments. XXXX was still rude in the conversation and refused to help. At this point my frustration got the better of me and instead of continuing to argue the point, I hung up.
Consumer complaint received 2020-11-30
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: TD BANK US HOLDING COMPANY (AL)

My account was on Autopay with TD Bank XXXX XXXX for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including T.D bank so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XXXX of 2020 I have attached proof so that these payments can be corrected.
Consumer complaint received 2020-12-05
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. (NM)

Experian did a major violation of my rights under the FCRA by changing and/or illegally updating the date of status and date of first reported on XXXX XXXX XXXX XXXX  XXXX XXXX account.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was served with a civil lawsuit on XX/XX/XXXX from XXXX XXXX  lawsuit from a debt that was paid on XX/XX/XXXX to the main creditor of the debt. When I reference my credit report it shows that account paid for less then full balance and paid. XXXX is also in violation by claiming I owe a debt I do not owe and placing it on my credit report starting XX/XX/XXXX which in turn lowered my credit score which ultimately lowered my credit score and effected my XXXX which made my refinance total more then it should be. XXXX is in violation of the Fair Debt Collections Practices Act ( FDCPA ), to be specific, 15 U.S. code 1692e. i am demanding that this egregious negative account be removed from my credit report and that I be compensated for the damage that was done to my credit and the negative effects it had on my home loan refinance.
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

It shows that I currently have an open account with a cable company. That is false, I have a different company for cable currently. When I called the cable company that I allegedly owed to check the status I was told by customer service that my information wasnt found in their system for a current open account. I asked why it was reporting on my credit report as an open account and they said they didnt know. There is no contact information for the collection company on my credit report account. I have no way to dispute something that there isnt even any proof of existing.
Consumer complaint received 2020-12-04
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of Identity Theft, someone stole my personal information and applied for all these companies.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX credit reporting agency please delete XXXX account from my XXXX credit report please delete XXXX XXXX XXXX XXXX please delete from my Equifax credit report I have proof for all the incorrect information on my XXXX and Equifax credit report here is all your proof all three Credit bureaus have to report the same way across all three credit reports and they are not doing the right thing please delete
Consumer complaint received 2020-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX inquiry shows on my personal credit report dated XX/XX/2020. This inquiry was not authorized. Information is incorrect possibly belonging to someone else. Also show 's I have account opened with this company. Wish to dispute that as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud.
Consumer complaint received 2020-12-04
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. (MN)

XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

My wife had been receiving numerous calls from this number in the mornings but would leave a voicemail. She tried to reach back but they would not answer. She finally answered the call this morning. It was a lady claiming to be from Account Resolution Services. She asked my wife about information pertaining to my XXXX year old. She kept insisting on getting my XXXX year old 's birthdate but my wife was trying to see what the call was about before releasing any information. She kept demanding the birthdate and was rude about it and told her that she would notate that my wife was refusing service then hung up. I called the number which is XXXX. A lady answered but I don't know if it was the same lady. I told her they called my wife about it and asked what company she was calling from. She responded " ASR Account Resolution Services. '' I asked why they would be trying to contact my wife about my XXXX year old. She said that they might have an account with them and asked for my wife 's number. I asked what kind of account would a XXXX year old have. There was silence for about 5 seconds then hung up the phone. Very suspicous
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.