davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Conn's, Inc. (TX)

I have disputed an item from conns credit several times. The amount showing owed is {$1000.00} which has been on my credit now for 9 years. I called  XXXX  and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under   XXXX   and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.
Consumer complaint received 2017-05-04
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. (FL)

XXXX  continues to report to credit agencies I was l ate in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I used a  Carecredit ( Syncrony Bank )  to pay for some medical expenses -- including  XXXX   Work. I o wed  Syncrony B ank {$1900.00}. At the end of   XXXX    2017, I sold  my house and decided to payoff the  CareCredit card  account. When I sent the payment from my bank  (   XXXX   ) with  the computer, I paid on   XXXX   XXXX  and  XXXX  . I accidentally made  2  payments of the same amount. A couple days later I recognized it and contacted  Syncrony bank .   They would be " happy '' to send a refund. They did. The only problem was the refund was for {$1000.00}, no t!  XXXX .  When I complained, they were showing " No outstanding credits ''. I waited a while to see if they were going to correct it. Apparently they are not.       XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   , Texas  XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-17
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: CREDIT ACCEPTANCE CORPORATION (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I requested a forbearance, and then called back to begin making payment. Instead I was told I was required to apply for a loan modification. I said that was ok. Without submitting any documents, I was allegedly reviewed and then denied a modification. I received a notice of default for {$3.00} XXXX, XXXX XXXX, XXXX dollars. I offered to make larger payments, at XXXX per month, but PHH refused. 
I am unclear how I was reviewed since I never submitted a written application. I was denied because of value. Please note I only 0we XXXX on the first loan, no seconds or other liens, and the house value is {$360000.00}. 
In addition, PHH scheduled a phone call with my relationship manager, at XXXX on XX/XX/XXXX. 
It appears PHH is doing everything they can to force the sale of my home. I ama senior citizen, XXXX XXXX XXXX.
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and  may affect  my employment. Based on the result they received on  XX/XX/XXXX  I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  GE Capital Retail b ank who notified me that my debt was sold to  XXXX   XXXX . When I contacted  XXXX   XXXX  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less tha n 1 w eek to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 rec urring payments of {$250.00} beginning   XXXX  , 15 monthly payments of {$150.00} beginning   XXXX   and a final payment of {$87.00} on  XX/XX/XXXX . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital   XXXX   stated to look into the judgement against me. I contacted the court on   XXXX   XXXX   XXXX   and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at    XXXX   XXXX    and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, the 3rd party, and the civil judgment reporting on my credit reports and the amounts are different.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

After having a substantial relationship with  TD Bank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refuse d and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     My credit card was closed and shows negative on my credit. I was never late and shows that it was late and paid off. I paid balance upon getting notice it was closed.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Consumer complaint received 2017-05-04
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. (CA)

XXXX   XXXX ,  2017  I had fraudulent charges on my   XXXX   XXXX     XXXX   XXXX   XXXX   Credit Card in  XXXX     2017.   The fraudulent charges have since been removed from my account by  XXXX , but a false address and telephone number were also identified in the account. I personally corrected the false information in my credit card account, but noted the false address associated with fraudulent activity now occurs in my Experian credit report. After contacting Experian twice, they finally indicated they would remove the fraudulent  XXXX , Florida address ( I have never lived/worked in Florida  ). However, Experian later emails me Dispute Results ( twice total so far ) and both times the d ispute does not even acknowledge the dispute ( the fraudulent Florida address ), but instead cites deleting a telephone number completely unrelated to the fraudulent activity.  FYI. T he  XXXX  fraud unit is currently still active with my fraud complaint.     I want the fraudulent address removed from my credit reports asap.     Any help would be appreciated.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (OK)

I have a vehicle loan with Bridgecrest for a vehicle that I purchased from XXXX a few years ago. On XX/XX/year>, my vehicle loan was paid off. It is now almost the beginning of XXXX and this account still shows open and a balance of approximately {$32000.00}. This issue is causing me issues with purchasing a home.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-05-04
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (CA)

DISCOVER did n't replying in a timely manner to my letters, or have they to date after  4  certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that th ey may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  Discover  did not reply.     I tried to sue already but I had put the wrong reason I was suing on court documents so I have a new pending litagation
Consumer complaint received 2024-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Subject : Complaint Regarding Violation of TILA, Breach of Contract, and Unresolved Recoupment Request for Account # ending XXXX with Capital One Auto Finance Co. 

Consumer Information : Full Name : Provided Upon Request Account Number : ending XXXX Summary of the Issue : I am filing this complaint due to Capital One Auto Finance Co.s violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq., breach of contract, failure to provide a complete audit of my account, and refusal to comply with my lawful requests for recoupment. Capital Ones actions have resulted in financial harm and the misclassification of my account, in violation of federal statutes and consumer rights. 

Background : On XX/XX/XXXX, I entered into a contractual agreement with Capital One Auto Finance Co. through its broker, XXXX XXXX XXXX XXXX, involving the purchase of a XXXX XXXX XXXX. The agreement included a promissory note that was later transferred without recourse and securitized. I have since discovered that the transfer and sale of this note were not fully disclosed, contravening TILAs mandate for transparency and failing to inform me of the true nature of my financial obligations. 

Despite multiple attempts to resolve this matter, including a formal Opportunity to Cure letter sent via registered mail, Capital One has refused to provide written responses and a complete audit of my account as required by 12 CFR Part 226 ( Regulation Z ) and the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666. Capital Ones refusal to respond in writing directly conflicts with the contractual terms that allow for amendments in writing, thereby breaching our agreement.

Specific Violations : Violation of TILA ( 15 U.S.C. 1601 et seq. ) : Capital One failed to provide full disclosure of the transfer, sale, and securitization of my promissory note, depriving me of my right to informed consent.

Breach of Contract : Capital Ones refusal to provide a written audit and its failure to recognize my right to settle the account through written amendments constitute a breach of our contractual terms and their fiduciary duty.

Failure to Act in Good Faith ( UCC 1-304 ) : Capital Ones handling of my promissory note and refusal to provide transparency violate the standards of good faith in financial transactions.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report which I have NO knowledge of nor did I sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. This collection found on my credit report IS NOT related to any transaction that I made. I am alleging that a person or company WITHOUT my permission or authorization used my personal info to apply for services or money and was successful in creating some accounts. All is currently being investigated by the FTC.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied for credit card with Pen fed credit union on XX/XX/2023, Pen Fed made hard inquiry on my credit and put hold on my application on contacting Pen Fed they told me that I have been conditional approved for XXXX $ and told me to submit my proof of income .After submitting my proof of income I contacted them about status of my application, then I was told that in order to approve my application I would have to open savings account with them .One of there representative then opened my account over the phone and told me to wait 24-48 hours for underwriting to review my credit card application.I waited another 3 days and call them back for follow up, then I was told by one of there supervisor that they cant process my application because of some issues ( which they were unable to explain me ) and I would have to submit my application again .Which I think is not fair because they are gon na make hard inquiry again on my credit. 

My application number was XXXX.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  is violating XXXX XXXX XXXX. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>, XX/XX/year> and XX/XX/year>
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NM)

SENT THE COMPANY A BILL OF EXCHANGE TO SET OFF THE ACCOUNT AND A 1099A,1099C THEY KEPT THE FINACIAL INSTRUMENTS AND NEVER SET THE ACCOUNT OFF REPORTED ME TO THE CREDIT BUREAU 'S BEING LATE, SENDING STATEMENTS IN THE MAIL WITH ADDED CHARGES.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (NY)

I have put XXXX $ in the savings account marcus by goldmann sach the XXXX of XXXX. I try to take back than money to my XXXX XXXX XXXX account 1 month later. But it was impossible to take it back. My account as been locked so i call back, they even made a telephone transfer of XXXX $ more to marcus without my permission. But i had the time to stop it with XXXX XXXX XXXX 
I tried to made 3 transfer bank of the money to XXXX XXXX XXXX but every transfer as been canceled buy the company. Some excuse was " its not going to the same account ''. I try my best to have this money back and today they said they closing my account and I will receive a check in 7-10business days. I dont know if they really gon na send me back my money and I dont understand why i can not receive it by bank transfer.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

IQ DATA INTERNATIONAL IS THE COLLECTION AGENCY THAT HAS PLACED A COLLECTION ON MY CREDIT REPORT. IT APPEARS THAT THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}. THIS DEBT IS NOT VALID. THE OPEN DATE ON MY CREDIT REPORT SHOWS XX/XX/year>. I DID NOT RENT AN APARTMENT WITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORTS IMMEDIATELY. 

ACCORDING TO THE FCRA ( CODIFIED AT XXXX XXXX. XXXX. I HAVE A RIGHT TO DISPUTE, AN INVESTIGATION MUST BE COMPLETED, AND DOCUMENTATION MUST BE PROVIDED.