davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MO)

I have 4 accounts with XXXX XXXX. 100 % pay history. I was wrongfully terminated which unemployment found to be in my favor. The day I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the XXXX XXXX I asked to not be reported and I was protecting my pay history. The agent said no problem. 3 separate payments on 3 separate accounts was to get me into the new year. with full access to all accounts. First payment in XXXX XXXX XXXX XXXX minimum payments to get me through until my unemployment was approved. I am still waiting on Social Security determination. I receive my first unemployment this week sometime beginning XX/XX/22. since. I made first 2 agreed payments a 2 week early last payment was to be 5 days early. That's when I checked my XXXX report and my credit score dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set one up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next day first payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was 5 days before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but XXXX of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been bullied and left destitute after pleading for hours over conditions that are out of my control. ach merchants have a access number to my accounts that I nor XXXX XXXX have access to. Which means I don't have full control over my account Neither does XXXX XXXX That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from XXXX XXXX they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over 100 hrs of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
Consumer complaint received 2019-07-01
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2024-10-22
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX
Consumer complaint received 2022-12-27
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (FL)

The credit bureaus stated my account was properly investigated but how Is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This ground for removal they also violated my rights under 15usc 1681 section 602 15 usc 1681 section 604 A section 2 also the credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank continues to report negatively to credit bureau that I paid less the full amount on credit card, after we came to an agreement, that I would pay XXXX, and it would be settled in full and no negative reporting, in XX/XX/XXXX. I paid it that day, and then creditors dropped me, and I inquired the said it was what Wells Fargo reported, and they didnt want to take a chance, even when though I had never been late with a payment with them. Then this XXXX XXXX, Research and Remediation Analyst in Wells Fargo Bank Executive office continues to report it as open, when it was settled and closed. They have continuously and negativeltly harmed my fico score, and I'ved repeatedly asked them to correct it, and the say the same " We have recieved your account activity since our prior response, and our response is the same, that our information is correct ''. 

Letter dated XX/XX/XXXX says " Your account was was settled with us, we reported a settled status to the consumer reporting agencies that may also have included some elements of a charge-off status ''. 
XX/XX/XXXX last response from them, " We found the information to be correct ''.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Sometime in XXXX I applied for a credit line increase for my XXXX   XXXX XXXX for the second time and was denied on XX/XX/XXXX due to Equifax missing my credit information. I called Equifax multiple times within the next week to figure out how to solve this issue. On Monday, XX/XX/XXXX, I mailed a copy of my drivers license and social security card to the Equifax Dispute Center because thats what a representative told me to do. On XX/XX/XXXX, I received a letter from Equifax saying they were unable to locate a credit file for one of the following reasons including not having a current file, not having applied credit recently, or not actively using credit in the past ten years. Today, on XX/XX/XXXX when I received the letter, I called Equifax back trying to figure out what went wrong and I was told to resend my same documents. On my XXXX report I see XXXX  and XXXX  but not Equifax. They are not helping me to help them, just telling me to resend things I have already sent, this situation is affecting my background checks and credit line increases in a negative way.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

I am a single parent. On XX/XX/XXXX, I co-signed for my daughter to obtain a signature student loan from what was then known as XXXX. It was recommended to us by the college she was attending at the time because she needed the money for the next semester tuition. I was a XXXX for the XXXX. I thought that we were obtaining a low interest loan through the college foundation. Beginning in XX/XX/XXXX, my daughter would receive bills from XXXX requesting payments on the loan. An " upaid '' fee of XXXX and an additional " past due '' fee of XXXX was added onto the total each time increasing the amount of the loan. It was my understanding that college loans were to be repaid after graduation. She could not repay the loan at that time because she was still in college. She would receive a bill showing a past-due amount. I would receive a letter showing interest and stating " this is not a bill '' with a loan repayment date of XX/XX/XXXX The principal amount on the statements sent to my daughter were increasing. In XX/XX/XXXX we received letters threatening to and then stating that we had been reported to consumer credit agencies for delinquency. The interest rate on the loan moved from 11.75 to 12.125 to 12 %. I am not sure why or when this occured. The interest rate now is 12 %. 
On XX/XX/XXXX my daughter received a letter granting her in-school deferment which she did not request. The letter that was sent with it used a loan interest of 9 %. 
On XX/XX/XXXX, I received a letter from Navient. I had never heard about this company and did not know who they were. They informed me that I had a loan that I was a co-signer on with them that was past due and that I owed them {$300.00}. I had no idea that the loan was due. When I asked them why they loan was now due, my daughter was still in college, they said that she had had enough time to graduate. I did pay the XXXX and have been paying on this loan since. 
I have tried to investigate every avenue for lowering the interest rate, consolidation, forgiveness, or anything I could do to help us with this now huge loan. It is overwhelming. I thought that we had borrowed money from a safe place for families who needed help to send their children to college. I was very wrong.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

I placed a credit fraud alert on my credit report in XXXX or XXXX and people are still opening accounts under my name and using them and it 's affecting my credit score and I am being turned down or any and everything thing and it 's not fair my score was at XXXX and not its in the low XXXX 's and nobody is helping me people have applied for XXXX XXXX XXXX cards, XXXX XXXX cards, old navy, XXXX XXXX cards and XXXX personal loans, and tjx rewards credit cards when I already have cards with most of theses banks and theses were all recently and the somebody applied for a XXXX XXXX XXXX credit card like 2 weeks ago and I want all this to stop please there are XXXX credit incuires on my XXXX credit repot and only XXXX of them are mine the rest are fraud and then there is like XXXX on my XXXX report please please do something I am wanting to buy a house and a car and I ca n't and none of the banks will remove anything from my report I have called and called the banks and Amazon says I owe them XXXX dollars to when its fraud transactions and they not remove them.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT  BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,
Consumer complaint received 2017-03-24
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I would like to file a formal complaint with your office regarding extremely poor customer service I have received from your customer service department of Citi Priority. As well as your executive response unit with XXXX, who has not returned numerous calls and emails left at his office. 
XXXX I have been a loyal citibank client since 2007. I currently am a Citi Priority account holder, and have received extremely poor, horrible customer service regarding overdraft fees charged to my account. I am currently residing abroad in XXXX, and travel back and fourth to XXXX frequently. I was recently charged XXXX {$34.00} overdraft fees to my Citi Priority account, for insufficient funds. I have been expecting a payment from one of my clients, which unfortunately was delayed. 
XXXX I am very unhappy with the very poor, nasty and unprofessional customer service I have received from Citi Priority, regarding my request for both of these fees to be reversed. 
XXXX I also have tried to open a Citibank savings plus account, but my account has been closed, two days after opening it. this is extremely unprofesssional, and I am really unhappy of the very unprofessional, abusive, horrible service I have been receiving lately. I want this savings plus account ending in XXXX to be immediately reinstated, as it was closed about two days after it was opened. 

XXXX I would really appreciate a member of your staff to please follow up with me to please immediately remove the block from my savings plus account, and have the account ending in XXXX immediately reinstated. 
XXXX I have recently started a new career working for XXXX here in their XXXX headquarters of their XXXX offices. I am not sure if you offer any special promotional accounts or offers for XXXX employees, but if there might be any special programs available with Citibank for XXXX employees, I would greatly appreciate any additional information. 
XXXX Please accept my most sincere apologies in advance for having to be left with no other alternative but to contact your offices. I really appreciate and respect your time, and I look forward to receiving a follow up from a POLITE and PROFESSIONAL member of your executive response team, as I have not received any response to the numerous messages and emails left at XXXX Office. Extremely unprofessional, and terrible unresponsive service received from this representative in your XXXX. You should be ashamed at his very unprofessional, and terrible customer service and follow up skills.
Consumer complaint received 2024-10-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Monterey Financial Services LLC (ID)

Hello, I made a purchase from an online retailer. They had an offer to " buy now pay later '' 90 days same as cash through XXXX who contracts with Monterey Financial Services LLC. Monthly payment plan was established. I realized they did not set up the monthly payments to payoff in 90 days. Tried to pay off online and was not able to without additional fee. Called to talked to them in person to pay off and talked to XXXX. Had to make a payment in full including penalties and interest at 99.23 %. Seems that this type of financing is misleading to the consumer. And the extra fees for setting up recurring payments and making extra payments seem unfair practice. I am wondering if there is anything to help me as a consumer to have these fees and interest returned. I called to make the final payment 10 days after the 90 day term. The account is through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST HORIZON BANK (CA)

Hello, I am in need of some help with a second mortgage loan issue. I filed for Chapter XXXX Bankruptcy and it was discharge XX/XX/XXXX. I included both my first and second home mortgage loans. I moved out of the property. XX/XX/XXXX the mortgage company holding my first mortgage, XXXX offered me a Government refinance loan and I accepted the offer nothing was ever mentioned about or concerning the second mortgage note. I have made on time payments ever since. The Second Mortgage with Horizon Home Loans was never mentioned, I have never made any further payments to the second mortgage since my Bankruptcy XX/XX/XXXX. Fast forward to now, I am XXXX and live on a fixed income and in need of repairs to this home at XXXX XXXX XXXX, XXXX CA XXXX. My only option is to finance the repairs, however the second mortgage loan is still showing without reconveyance or quit deeded. I have made several attempts to contact First Horizon Home Loans without a single reply from. I have filed a BBB complaint with them without any response as well. My current mortgage loan company XXXX which now also owns First Horizon Home Loans has had no reply or help as well. It is like these mortgage companies do not want to discuss or fix this problem. I am at a loss as what to do next? Can you help? Many Thanks, XXXX XXXX
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Invalid credit inquiry or failure to provide decision letter based on accessed credit file XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager bill. If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact XXXX. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. I have went back and forth between the credit bureaus and XXXX. The inquiry should be removed based off the response from XXXX. they were unable to access my credit report so no inquiry should have been made. XXXX case number is XXXX
Consumer complaint received 2022-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In The SPS response on XXXX, they stated : Servicing Agreement In the inquiries, you requested to review the servicing agreement related to your account. Please note that such servicing agreements contain responsibilities for multiple parties unrelated to you as part of a securitization transaction. SPS will not be sending you a copy of the XXXX XXXX, as it is proprietary and intended for internal use only. Origination In the inquiries, you questioned several issues relating to the origination of the loan. While SPS services this account on behalf of the Noteholder, we did not take part in its origination and we are unable to respond to the issues raised relating to the origination of the loan. Noteholder Information In the inquiries, you requested clarification regarding your XXXX identity. XXXXXXXX XXXX XXXXXXXX, successor trustee to XXXX XXXX XXXX XXXX successor in interest to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Trust is the Noteholder of the account, and SPS is the mortgage XXXX. 

How can a Servicing Agreement be proprietary when I am supposed to be XXXX of the parties to this agreement? Similar to signing a contract that you are not allowed to read! 
What is SPS hiding? 
Once again : My request is for the identity of the party who owns and maintains an unpaid loan account receivable, that is due from me to that party. 
SPS claims that the XXXX XXXX XXXX XXXX is the Note Holder I have had XXXX forensic title investigations that claim the my XXXX  was never added or included in this possibly non-existent Trust I once again ask for proof that my Deed of Trust was or is included in this trust.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (TX)

1.Caine and Weiner opened XXXX XXXX for XXXX I do not recognize this account or have no knowledge of this account. 
As well as another account with Caine and Weiner opened XX/XX/year> for XXXX that i have no Knowledge of this account
Consumer complaint received 2022-12-26
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: DISCOVER BANK (CA)

Discover ( current collection handled by XXXX XXXX XXXX ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. Discover account ending in : XXXX, Account starting with : XXXX, XXXX : {$2000.00}. I have mailed a copy of my official identity theft police report to Discover three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to XXXX XXXX XXXX, their debt collector attorney. Discover is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. 

I also filed a dispute with XXXX  for illegal credit reporting and collection attempts, and notified Discover and their collector XXXX XXXX XXXX that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX Police Report incident # : XXXX ) once again, with this XXXX  dispute. If this is not fixed by Discover immediately, I will be pursuing legal action against Discover as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.