davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NC)

CARECREDIT/Synchrony ... doesn't have complete records ( per attached ) and I do for XXXX XXXX XXXX XXXX XXXX XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX, which paid them consistently, on time, monthly. Emails and screenshots are attached. XXXX, their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment. I scheduled all the payments their system allowed, which would pay them in full. How is a payment missed, when you have scheduled all payments for the year. Apparently, there was a glitch in their system and it didn't take the last payment, because the amount due was less than the already scheduled $ XXXX payments for the entire year. That is not a consumer issue, when I have used the system you provide for payment to pay you and it was scheduled timely. Whatever that remaining amount, which was less than {$50.00}, they added some fees to and is posted as {$67.00}. I even paid them XXXX additional payments, an additional {$100.00} to resolve an issue that was for a glitch in their system. I saw this on my credit report and contacted them to resolve the issue that was clearly their fault. I believe they also sold this to a collection agency. 
They reported on my credit report that they charged off the debt in XXXX, which occurs 4 months after not receiving paying, so they wrote it off on their taxes in XXXX. At some point I received info from a collection agency, which is illegal to charge off the debt and then attempt to collect the debt. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Per XXXX, Synchrony submitted ND ( No Data ) ( per attached ) for a great deal of their reporting and now as of XXXX Synchrony has made this a Charge Off as if current for XXXX, but it's dated back to XXXX. I have all the data for those 5 years. Synchrony has some unsavory business practices. I have filed with the FTC as well ( per attached ).
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I signed up for an Apple Goldman Sachs credit card in XXXX, used it, paid in full on time and decided to close the card in XX/XX/XXXX as the benefits weren't good. 

After I closed the card and paid in full I received a letter stating the card was closed and no longer could be used ( letter attached ). 

A few months later, Apple reps called me stating I had new charges that needed to be paid from XXXX XXXX XXXXXXXX. I told them the card was closed to to please reject the charges. Instead of doing that, they kept accruing charges and reported the non-payment of these to Credit Bureau 's destroying my previously great credit. 

I've spoken to dozens of Apple reps and Supervisors and they all agree this makes no sense however they are unable to help as their systems are hopelessly a mess. 

I'm loosing my mind and don't know how to get this resoled. This credit score destruction is ruining my life at the moment as it's preventing my business from taking on necessary loans to cover payroll.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

We have been trying to work at length with work with the company. We were heavily effected by XXXX  XXXX and have been actively working to get all of our finances put together after the absolute devastation of it. My wife also has a rare hereditary bXXXX XXXXXXXX that requires routine XXXX XXXX XXXX XXXX during the heaviest part of the pandemic shut down we were unable to get some of these done and with alot of XXXX  XXXX  in our area leaving or quitting because of not wanting to get the XXXX. We have had to start all over with some and the rest are over XXXX hours away so it poses an extra bit of stress with work and being able to make/take phone calls to handle things. We have had some forbearance options in the past. I was not paid for a year due to the company shutting offices down because of covid. We have been in constant contact with the company and were told that we could get the account modified. During some of this process as we continue to send in all requested information and contact those we were told to do so. In the midst of these the note holder has changed several times between XXXX XXXX XXXX and XXXXXXXX XXXX in UT, CA, etc. We never know who we are working with. We have been told over and over we qualify- I served in the XXXX XXXX XXXXXXXX and they have said that is part of why we qualify. We work with someone at length and then try to follow up and are told that they no longer work there and that there is a " high turnover '' - how this is something that we should be punished for when we are acting in good faith providing all that is asked and even made recent payments. One of which was sent via wire and were returned minus the total amount that was sent. They have two payments that have somewhere in their suspense account. Have been battling for over a year - We just want to be current and pay our monthly amount and have them follow through. They have been very inconsistent. They really need to honor it
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I was going through my XXXX and viewed a chime direct deposit letter sent from my to my XXXX when I am on XXXX with Chime bank I asked them when they reopened my account after being closed for a year was it safe being they closed it and opened it back up with my same account routing and card after a year I use to spend countless hours adding I couldn't figure it out until today my Chime bank & XXXX XXXX  has been robbing me blind but some one is controlling my money giving me credit and I couldn't get help I closed my Chime savings account I was being robbed online banks just say nothing 's wrong
Consumer complaint received 2023-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft for some reason they will not delete this XXXX XXXX account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma (TX)

XXXX XXXX called me on XX/XX/XXXX. Upon answering the phone, a gentleman told me i qualified for a subsidy but i would first have to pay a enrollment fee. i told them i did not have the money for the fee at that time. I made it very clear to the man that any funds i had was spoken for, for upcoming routine bills. He put me on hold as he connected me thru to his finance manager to possibly approve for delayed partial payment. A lady answered and after i re-explained the importance of the money i had and my unfortunate financial situation at that time, the lady agreed and promised not to take the funds from my account until XX/XX/XXXX. I asked her, '' you're sure my account won't be affected until XX/XX/XXXX? She responded, " yes sir, we will not withdraw any funds until XX/XX/XXXX. '' i said, " okay then. We finished the conversation and hung up the phone. They took out more than what they initially told me they were going to take ( {$160.00} ) less than an hour after i talked to them. I immediately called Credit Karma and filed a dispute. Almost weeks later i managed to find XXXX XXXX email from notes I wrote down during our conversation and requested a cancelation of their services. Since then Credit Karma denied my dispute XXXX XXXX took out another {$130.00} from my Credit Karma account on XXXX XXXX XXXX, XXXX Innovative Health took another {$130.00} from my account. Credit Karma still has done nothing when i talk to them. They tell me my dispute in another review and to monitor my email for their response
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Transform Credit Inc. (GA)

Since XXXX my credit score has been decreasing a lot I was in XXXX - XXXX range and I couldnt figure out why considering I only have 1 missed payment and I closed that account, after awhile I looked at my XXXX credit report and seen a personal loan took out in my name XX/XX/ for XXXX. This company is called Transform Credit Inc, when looking it up you can see many others have left bad reviews on this for scam/fraud/identity theft. My credit score is now below XXXX. Please help boost my credit score where its supposed to be and remove this account from my credit report.
Consumer complaint received 2024-04-10
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I recently looked into my credit report and seen that a capital one card was put in my name not only that but maxed it out. I was not sure why my credit score was so low until I realized someone opened an account in my name fraudulently. My ex boyfriend knew all my information so he is who I think is responsible but it was opened without my knowledge and consent so I followed the steps on my credit report on how to dispute and there was an investigation but they didnt do anything about that account on my credit they are saying its mine but its not.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/24, TXXXX XXXX XXXX posted a payment in the amount of {$220.00}. As of this date, the work they were paid for had not been performed ( their job was scheduled to be completed on XX/XX/24 ). 

I contacted XXXX XXXX XXXX  the same day ( XX/XX/24 ) and requested they cancel the service. The representative I spoke with assured me that my refund would be processed and received within 3-7 business days.

After I did not receive my refund within the timeframe given, I submitted a dispute with Regions bank in order to have the {$220.00} credit I was owed put back on my account. 

On XX/XX/24, I received a letter in the mail dated XX/XX/24 where they denied my claim. 
Regions denied my claim to have the {$220.00} put back on my credit despite not only evidence that the merchant agreed to cancel the requested service having not performed any work, but also despite evidence in a phone call recording where the merchat ( XXXX XXXXXXXX XXXX ) confirmed that my refund had been processed on their end on XX/XX/24.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IN)

On XXXX Called 3 times repeatedly shortly after XXXX XXXX. 

Called again at XXXX from a blocked number- gave lawyer information ( name and phone number ) told them that they need to speak to my lawyer. Started raising voice with me, stating that I was being uncooperative. Despite the fact that I had given the only information that should have been needed several times, as I had to keep repeating. 

Caller proceeded to call 3 more times.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

A student loan from XXXX is showing up on my credit report. I have never taken out a student loan. Ive tried multiple times to contact XXXX, but cant get through to an actual human being. Every time I attempt to dispute this loan through TransUnion they send me an email saying that I dropped the dispute, even though I didnt drop it. Im extremely frustrated that it feels like my hands are tied in this matter. XXXX should make it easier to contact them on matters like this. My credit is going to end up being destroyed and I will end up being forced to pay back a loan that I didnt take out. Nobody should have to go through this.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

On or around XX/XX/2023, I, in good faith, deposited an endorsed check on behalf of a " client '' into my XXXX XXXX XXXX ( escrow ) account. Later I was advised that " fraudulent activity '' was " associated '' with this check. It appears that I was unknowingly, and without any intent or knowledge, used as a mechanism to transact some sort of fraudulent check cashing by XXXX XXXX. Recently I inquired at my bank, " JP Morgan Chase '', here in XXXX XXXX, and was advised that all of my accounts with them were " closed '' and would not provide me any further information about " suspicious activity ''. XXXX XXXX, evidently sensing suspicious activity around this XXXX check to XXXX XXXX, and filed a " claim '' at his bank and requested a " stop payment '' on the check and it was reversed against my " JP Morgan Chase Bank XXXXXXXX XXXX Account. ". 

The parties involved are : XXXX XXXX, lender/ maker of a XXXX check ; XXXX XXXX XXXX borrower and payee on check ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX, XXXX ; XXXX XXXX XXXX XXXX attorney and name on the " XXXX XXXXXXXX '' account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX ; JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX ( see attachments ) ; " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), ( see attachments ) ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (PA)

My mortgage was sold from XXXX to Roundpoint inXX/XX/2023. 

Roundpoint did not pay my homeowners insurance when it was due in XXXX, and my coverage has lapsed, for almost a month now I have been without coverage. 

The money is sitting in my Escrow account, and they have not paid out anything from Escrow. I am worried they won't pay out my taxes that are due in XXXX either. 

I tried to contact Roundpoint multiple times via telephone and could never get a human on the phone. One time I was on hold to speak to a customer service representative, I waited for XXXX minutes, and they then disconnected the call. 

I have also tried reaching out via email and have received zero response.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo received an insurance payment on XXXX XXXX and informed me that it would take five business days for me to receive the funds It is now the XXXX of XXXX and I am told there is supposed to be a tracking number attached to a check being sent to me, Nobody can provide me with a tracking number. Ive had to take numerous cash advances on my credit cards ant 30 % interest to cover expenses, as of today my bank account has just been overdrawn. Ive been on the phone with the bank hours at a time for the last four days in a row and nobody can tell me anything, they have now assigned a case number for me to speak with somebody who has not called me back and no one has any information as to where the {$61000.00} check or money is. That is just the first draw. The actual check is for XXXX. My mortgage is only XXXX so thats the overage that they owe me that they are not entitled to but somehow have found a way to keep for almost 15 days, this has been more than inconvenient to say the least
Consumer complaint received 2024-02-13
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Massachusetts Educational Financing Authority (MA)

I am trying to refinance a student loan through MEFA, the MA Educational Finance Authority. I am a MA resident. I did the application today as well as in XX/XX/year> and keep getting denied. 

The denial letter states : " Thank you for your request for prequalified rates from MEFA. We have recently reviewed your credit eligibility based on the information youve provided us coupled with the information obtained in a report from the consumer reporting agency, and at the time, we are unable to present you with prequalified rates. The principal reason ( s ) for this determination is ( are ) : Education debt to be refinanced must be in repayment and have consecutive on-time payments in the most recent 6 months and no delinquencies on education debt in the previous 12 months. '' I contacted XXXX and recieved my full credit report. I do not, in fact, have any delinquencies or missed payments on the credit report ( attached ). I asked MEFA via email and phone for them to review my credit report to see that they are improperly denying me. They refuse to do so. MEFA said I need to dispute the incorrect information with XXXX. But there is no incorrect information to dispute. Per the credit report that XXXX provided, there are no delinquencies or missed payments. I'm going around in circles. 

You can see in the email chain that MEFA uses a third party Credible to do the soft credit pull. I also haven't had any luck speaking with a human at Credible. I need help. Thank you, XXXX