davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BSI Financial Holdings, Inc. (IL)

After purchasing the home on XX/XX/2023, we applied for a Recast in XXXX to take the down payment from 05 % to 20 %. The PMI insurance was removed in XXXX however, the principal balance has not been recalculated to lower our mortgage payment. In XXXX the credit bureau informed us that that we have a past-due balance of over 30 days. This is false, as we have made all mortgage payments in full on time each month. Our credit scores have since dropped from mid 800s to 600s because of this report. We have repeatedly tried to contact BSI FINANCIAL, our lender to communicate the concerns but we have not received any escalation or plan to resolve. The recast is over 90 days past deadline. We need help getting this close out and our credit scores corrected.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (NY)

I am writing to seek your intervention regarding a dispute with Synchrony Bank concerning a Lowe 's credit card account. Synchrony Bank has initiated legal action against me, issuing a summons to court. However, they have failed to provide adequate verification or validation of the alleged debt as requested. 

In response to the summons, I sought to verify the legitimacy and accuracy of the claimed debt. The specific information requested from Synchrony Bank includes : Proof of the Debt : A request for the original contract or other documentation establishing my agreement and responsibility for this debt. 

Account Statements : A detailed breakdown of the claimed amount, inclusive of any fees or charges added. 

Licensing Information : Verification of Synchrony Bank 's license to collect debts in my state, including their license numbers and registered agent. 

Ownership of Debt : If the debt has been sold or transferred, I requested documentation establishing Synchrony Bank 's legal right to collect it. 

Detailed Calculation : An itemized calculation of the total amount owed, encompassing interest and any additional charges. 

Credit Report Entries : Clarification on how this account is being reported to credit bureaus, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite these requests, Synchrony Bank has not provided the necessary validation or verification of the debt. This lack of response raises concerns about the legitimacy and accuracy of the debt claim, especially in the context of the pending legal proceedings. 

At the time of receiving the summons related to the aforementioned debt, I was a resident of the State of Florida. However, I received the summons while temporarily visiting New York. Despite this, I took immediate and appropriate action to respond to the summons in a timely and proper manner, in accordance with legal requirements. 

My response was duly submitted to the Supreme Court XXXX XXXX XXXX, XXXX, New York. This detail is crucial as it pertains to jurisdictional matters and my legal standing in this case. It is important to note that my primary residence and state of legal residence during the period in question was Florida. 

I am now seeking the assistance of the CFPB to address this issue. Your intervention is crucial in ensuring that Synchrony Bank adheres to the legal standards for debt collection and reporting, as outlined in federal regulations and in safeguarding my consumer rights. 

Thank you for your attention to this matter. I am hopeful for a prompt and fair resolution.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Credit Karma (TX)

I received a letter dated XX/XX/XXXX from XXXXXXXX XXXX, after applying to a credit card through Credit Karma. Credit Karma claimed that I was guaranteed for approval, or would receive a XXXX dollar payment for denial. The letter states that I need to call XXXXXXXX XXXX  to proceed with the application. XXXXXXXX XXXX  has treated me like a criminal in my two attempts to reach out to them via phone on XX/XX/XXXX. I called them at XXXXXXXX XXXX  Central time and XXXXXXXX XXXX on XX/XX/XXXX. The first agent was very rude and hostile on the phone and then hung up on me after I refused to text him a photo of my ID. I found this to be extremely concerning and the way I was being treated on the phone was unacceptable. I figured it was a fluke, so called back the second time at XXXXXXXX XXXX and spoke with a " XXXX '' on the phone who was also very snippy with me. At that point I asked for a supervisor, and " XXXX '' claimed no one was available and refused to allow me to hold for a supervisor and kept insisting " a supervisor will call you back. '' I do have a fraud alert on my report and always appreciate people trying to protect my credit and identity. I do not appreciate being treated in a hostile manner for being a crime victim and treated in a disrespectful and unprofessional manner. That is completely unacceptable. I think it is also outrageous that this sham company doesn't allow a customer to reach a supervisor when the call center is acting out on the customers and don't have the most rudimentary level of manners. Abusing people is not acceptable under any circumstances.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW financial services acc # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX Reporting 30 days past due for XX/XX/ In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove this late payment from my credit report.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (WV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There is an unidentified inquiry to XXXX XXXX made on XXXX ( overnight ) for a credit card with 0 months repayment terms that I did not make. XXXX is not seeing the report on their end, but it is clearly showing as a hard inquiry on my XXXX account affecting my XXXX  score. 

There is also another hard inquiry to Bank of America on XXXX that is showing as " unspecified ''. BofA also shows nothing on their end, but again, this is impacting my credit as a hard inquiry. 

My XXXX XXXX XXXX  account was hacked as well and there were two separate orders for around {$8000.00} dollars made by someone in XXXX Texas. This has been resolved with the store and the charges are being reversed. Address for the delivery of these items to the person who made the charges is XXXX XXXX XXXX, XXXX in XXXX XXXX TX XXXX and the phone number this person provided is XXXX My XXXX XXXX XXXX were also stolen and used to make Hotel reservations at the XXXX XXXX XXXX XXXX Alabama XXXX Guest name given on the reservation is XXXX XXXX. I have reported this to XXXX XXXX fraud department and they are sending a report for me to complete later today.
Consumer complaint received 2023-12-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

I have a care credit card with Synchrony Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Synchrony and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called Synchrony again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Synchrony. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.
Consumer complaint received 2024-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-12-06
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. (FL)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

On XX/XX/XXXX my father and I sent in a check in the mail for {$10000.00} to my MOHELA student loan as we are ready to pay it off in full. The check had my account info and a letter enclosed of what the check was for. The check was cashed on XX/XX/16. After calling MOHELA customer service XXXX times, being left on hold for XXXX hours daily, and submitting proof of the check being cashed customer service has not helped one bit in telling me why my money has not only not been applied to my account but it is lost in their system. MOHELA cashed my check and refuses to document that anywhere. Upon hours with unhelpful XXXX, we learned that MOHELA is marketing their new platform on their current platform and we apparently sent the check to their new XXXX XXXX XXXX though it was listed on their website to send checks to. MOHELA said they would submit a claim which could take XXXX business days but I am not sure this will go anywhere. There is no reason why MOHELA cant note to submit my payment to the correct XXXX XXXX XXXX few towns over or refund my payment. I am left paying more interest on this loan and XXXX negligence is causing mental and financial stress on my family as this loan should have been paid off by now.
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation (VA)

XXXX XXXX manages several toll roads in the DC area. I have an XXXX transponder that allows me to pay necessary tolls. 

My transponder balance apparently dropped below {$0.00}, and I was assessed a charge of {$3.00} for two missed tolls. One for {$.00} and another for {$2.00}. 

XXXX XXXX did not send me a notice via mail regarding this missed toll, and sent my debt to Nationwide Credit Corporation who assessed a {$100.00} admin fee for each missed toll. Fees total {$200.00} on a debt of {$3.00}. These fees are exorbitant and do not align with the value of the debt. NCC refuses to drop the admin fees despite the extremely low debt amount, active XXXX XXXX participation and lack of notification by mail.