davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AR)

I have a TJX Rewards Credit Card with XXXX XXXX. I am preparing to refinance my house and wanted to improve my credit score ( credit score was XXXX ) so I decided to pay off all my store credit cards in XXXX. Unfortunately after making a payment ( {$250.00} ) to pay off the above mentioned account someone fraudulently accessessed my Paypal account and made several charges using my bank debit card. This caused several payments to be returned. I contacted Synchrony baby and explained what was going on and made payment that did process and paid account off in full. 
On XX/XX/XXXX I received a letter dated XX/XX/2018 from Synchrony bank stating my TJX account was closed due to the number of dishonored payments on the account. I immediately called and spoke to several customer service reps till I finally spoke to a supervisor named XXXX. I was told that if my Bank sent a fax stating that the returned payments were not non sufficient funds my account would be reinstated. I was given the fax number to the finance department. On XX/XX/2018 my bank manager sent a fax stating the returned payments werent not my fault because of the fraudulent activity on my bank account. On XX/XX/2018 I called to follow up with my account. My credit score has dropped to XXXX! Synchrony Bank adviced me that they recognize that the returned payments were not my responsibility or fault but will not be reinstating my account even after I did what they asked. So basically I am being double victimized. I was trying to improve my credit score an now its been decreased by over 70 points at no fault of my own. I could have made a minimum payment on my TJX card. I didnt need to pay {$250.00}. This doesnt seem legal. I didnt do anything wrong to have my account closed.
Consumer complaint received 2018-08-15
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. (TX)

The company i am speaking on today is Equifax. Below is a list of credit inquires that I have no clue about, i have reached out to customer service and they were no help at all. I have no idea how else to go about this issue. One of the other credit companies had an issue where inquires were gone then they came back. Not sure if this was the same issue or not. Below are the inquires.

Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX   Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXX   XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2018-08-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

Around 3 years ago I was contacted by an attorney about a class action law suit against XXXX XXXX, now called XXXX. The law suit claimed XXXX to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. XXXX was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by XXXX since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact XXXX and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IL)

A XXXX account in the amount of XXXX and XXXXXXXX XXXX account in the amount of XXXX was open in my name I have been a victim of identity theft I been disputing these account since last year. I sent both companies police reports and a identity theft affidavits.
Consumer complaint received 2018-08-16
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. (TX)

I got a notice from Experion indicating information had been reported to them by a creditor. When I reviewed my credit report, there was an item listed from XXXX XXXX which indicated a past due balance. It listed the original creditor as XXXX XXXX. Since I have never had an account with XXXX, I disputed the information. Experion came back that they reviewed the information and determined it was accurate. Since it is not my account, it is obvious that they are completely incompetent to be in possession of sensitive financial information.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (OR)

On XX/XX/2018, I paid off the balance of the sellers loan, at the XXXX ID. branch of Key Bank. It has been seven weeks and no title has been sent. Myself and an assistant have made over twenty phone calls regarding this, with no resolution. As a result, I am unable to register the vehicle. Oregon allows only, two 21 day temporary permits witch we have exhausted. The Vehicle is now useless, and undrivable. This vehicle was to be used as primary transportation, and now must be parked until we get this resolved. This has created obvious and unnecessary hardship.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a Capital One Credit Card for 15 years with a $ XXXX  line of credit. I never missed a payment, never was late paying thus I never paid interest. I accumulate XXXX Rewards Points. Recently a purchase of {$70.00} was declined and so when I inquired they advised me that I failed to make the payment of {$70.00} which was silly because from my past 15 year history I have never carried over a balance. Suffice it to say I may not have received the bill or I just missed it. When I phoned in to inquire the lady was very short and so I told her to just close the account.I then called back and spoke with XXXX within 3 days about my rewards points. She said she would review and get back within 5 days. She didnt. I then spoke with XXXX ID # XXXX   the following week and was promised a response within a week. Now on XX/XX/XXXX I get a call from XXXX who says it is now over 30 days and they are refusing to reopen the account. I could care less about the account but feel it is because I have XXXX  points they dont want to give back.Those are my points. They didn't tell me I would lose them and in my opinion it is stealing from me. I would like the points or the cash for them since they failed to tell me I would lose them. Card ends in XXXX
Consumer complaint received 2018-12-19
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. (MD)

XXXXXXXX XXXX XXXX XXXX company issued a collection action with XXXX XXXX XXXX XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX dollars as part of our divorce agreement - however - after numerous contacts with expeian - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - experian needs to remove this account from my report - in addition - experian does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to fla and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX  is reporting XXXX separate conflicting accounts on my XXXX, Equifax, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX EST, I called XXXX  on the phone number listed on my credit reports for both XXXX accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX  account in the past with XXXX, XXXX, and Equifax, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX, XXXX, Equifax, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, XXXX, and Equifax credit reports immediately. I have attached a copy of my credit reports with both XXXX  accounts listed.
Consumer complaint received 2018-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (GA)

XXXX XXXX XXXX On XX/XX/XXXX, I submitted an application for income based payment. I went to studentloans.gov and granted access to a joint tax return with myself and my wife showing both of our income. On XX/XX/XXXX, I received a notice from Nelnet stating that my application was incomplete and that I need to submit proof of income. I responded with a copy of my Paycheck stub immediately. I then received on XX/XX/XXXX with a duplicate email requesting proof of my income. I went back to my email and submitted the same attachment showing my income. On XX/XX/XXXX I received another duplicate email requesting a copy of my income. On XX/XX/XXXX, I contacted Nelnet via phone. I was told that it was not MY income that they needed, rather a copy of my spouse 's XXXX. On XX/XX/XXXX, I received a letter stating that {$3700.00} was being added to my principal balance and that my payment would increase from {$280.00} to {$1000.00}. I am frustrated that the correspondence with Nelnet was vague and their communication with customer service did not specify that the income I needed to submit was for my spouse, not my own. I have asked Nelnet to reverse this capital interest penalty and calculate my payment appropriately and they have not done so.
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NH)

In the transition between XXXX and Navient my student loans which were being paid on monthly were thrown into default. I have hired a lawyer to help me resolve this issue, as it is impeding my credit and I am unable to buy a home. The debt collector and Navient both will not respond to neither me or my lawyer. I am eager to resolve this matter and become current on my loans. I owe approximately XXXX and the only response is to pay in full or I can not pay at all. They will not set up payment plans.
Consumer complaint received 2018-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my Transunion decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, XXXX, and Transunion. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.
Consumer complaint received 2018-12-19
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)

My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.
Consumer complaint received 2018-05-04
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. (AR)

On XX/XX/XXXX and XX/XX/2018 I sent out dispute letters to Transunion Requesting that Transunion Produce the Original Creditors Documentation for my account. Each time that i receive my results the mail from Transunion which by the way are less than 30 days and only a few days between the time I send out my disputes to Transunion and Transunion reply/results, which leads me to believe that Transunion is not doing an Investigation at all! Transunion keeps giving me the same results 'ACCOUNT VALIDATED ', which i am not disputing the Validity of my account, I'm simply REQUESTING that Transunion Provide me with the Original Creditors Documentation for my account AS PER FCRA 609 ( c ) ( 2 ) ( e ) - A CREDIT REPORTING AGENCY IS REQUIRED TO HAVE A COPY OF THE ORIGINAL SIGNED CREDIT APPLICATION/DOCUMENT THAT WAS USED TO OPEN THE ACCOUNT VERIFYING THAT THE ACCOUNT BELONGS TO THE CONSUMER. WHICH WOULD BE ME.

Transunion keeps stalling and giving me the run around hoping that I will just go away but I wont. And if Transunion continues to Violate the my rights and the FCRA LAWS, THEN THIS COULD TURN LEGAL.
Consumer complaint received 2018-12-19
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. (NJ)

I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX  XXXX Acct # XXXX
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My real estate taxes are $ XXXX/year and due on XX/XX/XXXX. As of my last statement on XX/XX/XXXX, Bank of America already has {$830.00} in escrow and will be taking an additional {$66.00} in XXXX and XXXX resulting in an escrow balance of {$970.00} to pay my {$730.00}. This is {$24000.00} more than needed. In addition, going forward they will have collected {$800.00} from me by the time my 2019 tax bill becomes due. My complaint is that the bank is withholding excess funds into my escrow account/
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have called Capital One and spoke to XXXX. I asked if there was anyway to reduce the APR. My current APR is 24.40 % when I called the automated system. XXXX  advised that there was no offers to reduce the APR. I am asking for a reduction in the APR since it is at a very high rate. Thank you.
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (AZ)

XXXX XXXX XXXX XXXX retroactively capitalized the interest on my loan two years in the past, and added fees and interest for the last two years in XX/XX/2018, saying that they accidentally forgot to do it two years ago. I am in the REPAYE program, so for the last two years, the federal government paid a portion of the interest for the last two years. Because they waited so long to do capitalize the interest, they added hundreds or possibly thousands of dollars to my loan that would have been paid by the government. They are required to give me at least thirty days notice before capitalizing the interest under the federal regulations governing student loans. I never received that notice, either at the time or now.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

I had a citi bank XXXX XXXX XXXX XXXX. XXXX decided they were switching to XXXX XXXX for XXXX XXXX. I told them I not want an XXXX XXXX Card and I did not want them to transfer my information to XXXX XXXX. Citi Bank said the only way to stop this was to cancel my citi bank credit card. I did this, but I still received a XXXX XXXX Credit card in XX/XX/2018. This means XXXX XXXX was given my information without my consent. Citi Bank gave my information to XXXX XXXX even though I expressly told them not to do so.
Consumer complaint received 2018-12-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CT)

I filed a bankruptcy and One Main Financial offered a re-affirmation on the debt, lowering the amount and interest rate, this enabled me to request and attain a Bankruptcy dismissal this past month. 
The re-affirmation new payment was to start today XX/XX/18 and when I called to make the first of 48 payments for the car loan, they then told me this was no longer a valid offer because I dismissed the Bankruptcy, I said as you know I dismissed it because you gave me an affordable re-affirmation as we discussed. They ignored me and their earlier assertions. 
The loan was XXXX dropped to XXXX, the interest rate from 19 % to 6 % I feel this is bad faith lending practices by One Main Financial.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CT)

This company is continuing to report a false, erroneous account on my credit reports for years now. I notified this company on several occasions that this was not a correct debt and requested that they contact the original creditor to get the matter sorted. They did not. Instead, they continued to report this information on my credit reports and ignore all of the letters I sent to them. Each month they continue to update this incorrect information on my credit reports.In addition, they are NOT even licensed to collect or conduct business in the state of Connecticut, where I reside, and have resided for over 20 years. Yet they are claiming to be attempting to collect a debt from FL. After reading the thousands and thousands of complaints about this organization, I am not one bit surprised. They need to remove this incorrect information from my credit reports once and for all!!!!