davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I have an invoice from the company, XXXX, the actual date that the debt was acquired and if you look at their information, each debt that was acquired on the same day has a different date that the date was acquired. The actual company is synchrony bank and they sold it to XXXX XXXX, which is not authorize by me to have my debt my is with synchrony bank I required the information from synchrony Bank but they informed me that the information was shredded and they no longer have it after XXXX years which I know that they sold my information to XXXX XXXX  and XXXX XXXX XXXX is not answering phone calls not giving me the proper information and I sent the certified letter. I also talk to the fraud department with XXXX XXXX, and they refused to give me the information as well, I will leave a copy of my invoice stating that this company is not who I required the debt with and Im asking for this debt to be deleted off my credit report
Consumer complaint received 2024-07-11
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: SYNCHRONY FINANCIAL (MD)

The company, PayPal and their collector, Synchrony Bank, provided statements as requested. My question and complaint was for a charge of {$200.00} outstanding. This charge seems to be for XXXX of XXXX fraudulent purchases from XXXX XXXX made in XXXX, XXXX continue to explain and adamantly deny both charges. 
After filing a claim with CFPB, I received additional information from Synchrony. Their report indicates I have been credited for these purchases. Yet, the statements forthcoming daily via email, indicate I owe a balance of {$380.00}. The balance as of XXXX, is supposedly comprised of an initial purchase of {$200.00} to XXXX XXXX and several interest charges of {$70.00} monthly. 
I have not made any purchases for {$200.00} through PayPal during XXXX. The only charges were those afore mentioned. I have contacted XXXX XXXX about their refunding. They related refunding only {$200.00} to PayPal. 
Within the statement provided by Synchrony on XX/XX/year>, are deferred charges from XX/XX/year> of {$200.00} ... .and described as as " Miscellaneous Adjustment XXXXXXXX XXXX '' ; another, described exactly the same, for {$70.00}. This is not adequate. 
I have never not received an explanation as to this {$200.00} charge, if it not that from XXXX XXXX. What is it? Why is it? Why is this? 
I am more than hopeful that this ongoing issue will be resolved honestly and correctly. 
I will not pay for any fraudulent charge to my account and this is XXXX!
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I'm a Bank of America card holder and there's been a few times where I went to places that was on the rewards part of the checking account rewards and I never got my rewards and one of them was just a few months ago
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (NE)

On XX/XX/XXXX, I inquired for a personal loan through Prosper Marketplace. After filling out the application online, I was automatically declined. I promptly received an adverse action notice as required by law with the required statement of specific reasons. According to the letter, these specific reasons caused their credit scoring system to score me below the minimums. There are XXXX reasons provided, all are vague. One of the specific reasons for the decline provided was " Payment on student loans is too low in proportion to balance. '' This statement is completely false. I do not have any outstanding student loan accounts and no payments required. I became concerned that there was inaccurate information on my credit report. I immediately obtained a copy of my credit report from XXXX, which was the reporting agency Prosper stated they obtained information from. After reviewing my credit report, I found no errors on my XXXX report. I had XXXX student loans in the past, but XXXX correctly reported that the status of XXXX student loans accounts was " Paid, Closed ; was paid as agreed. '' Because the information obtained by Prosper correctly reported no active student loan accounts, there was no merit to the claim that I did not meet criteria on the basis of the payment on student loans is too low in proportion to balance. My complaint is that Prosper 's credit scoring system is inputting false information into the calculation. In this case, it contributed to a decline. Even more concerning is that it would be theoretically possible for the system to inaccurately price risk into approval decisions and offer consumers less favorable terms than they would have otherwise qualified for. It would be impossible for consumers to know this because there are no notice disclosures required if the application is approved. As noted on the adverse action letter, XXXX rates my credit as excellent supported by the high credit score shown on it. Although Prosper states that credit score is only one factor considered, this shows that this is not a case of declining a file due to poor credit. I attached the adverse action letter but did not attach the credit report for privacy concerns. It is available upon request.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

You have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX  ( XXXX )
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

In XXXX I was in the hospital and the bill went to a collection agency, Rash Curtis. In XXXX my husband and I filed bankruptcy but then about 6 months later we withdrew the filing. I never heard from this company again and on my credit report it said discharged in bankruptcy. A few weeks ago I pulled up my credit report and they have begun posting on this debt that I have refused to pay. I received a phone call on XX/XX/XXXX from this company. I called and have been told I owe XXXX in  medical bills dating back to XXXX. I asked about the discharge and they said they lifted that after the bankruptcy was discharged but we never received any information, no letters. When I called they said they sent a letter in XX/XX/XXXX about a new medical bill, I have no idea what they are talking. They said they have called numerous times but have never left a message. Now they want a settlement or for me to pay the entire XXXX, and will continue posting to my credit report that I am not paying. I am not sure what to do and if this is legal. I have no problem paying, but the posting on a credit report from a XXXX debt doesn't seem ethical or legal.
Consumer complaint received 2023-07-21
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. (CA)

According to 15 U.S. Code 1666b this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These reporting of these accounts are not related to any transactions related to the consumer.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (NY)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the Inquiries below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing - NEW REZ claim to be a mortgage servicing company when they are really a debt collection company. I have tried unsuccessfully to either negotiate a pay off or have attorney fees charged to my account removed. On over XXXX occasions I have made payments that were listed as XXXX. As a result of this my loan was placed into the hands of their attorneys who have charged me almost {$5000.00}. In that time I have worked with XXXX loss mitigation officers. I have submitted the requested paperwork to them. on I believe XXXX occasions. Each time they do nothing with it until they send me a letter stating that it is now out of date. 

Shellpoint are not a good company to deal with. They have a XXXX  rating of XXXX out of XXXX *****. 

It is important to know that the mortgage in question has a principal balance of XXXX cent. There is a non-interest bearing balance of approx {$10000.00} + the {$5000.00} attorney fees that have been added. The reason my account is in this situation is because Shellpoint are not able to process my payments correctly.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC (IL)

I had a collection account that was paid off through an offset to my federal taxes. The account was not removed from my credit report, so on XX/XX/XXXX, I called Harvard Collections and they requested that I send an email to them with an attachment showing that the debt was paid. I did this on XX/XX/XXXX as well. I also filed a dispute with all 3 credit bureaus. Harvard responded to my email saying the account was submitted for deletion on XX/XX/XXXX. The account did come off of both XXXX and XXXX initially, but now it is back on there. As for XXXX, the debt never deleted and is now listed as being verified on XX/XX/XXXX. This is the same date they claim they submitted the request for deletion, and well after the debt was paid. As they are the company reporting the negative information, they have a duty to verify the accuracy of the information they report, which they are apparently failing to do.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I had a loan payment on XX/XX/24 for {$250.00}. The money came out of my bank account XX/XX/24. The website updated my accounts but stated inly {$150.00} was paid and updated loans 1 and 2 only. Loans 4 is missing the {$75.00} dollar payment and loan 5 is missing a XXXX dollar payment. I did contact the company on XX/XX/24 via live chat. They told me to wait a few days to update my balance. This is the last payment for the 120 days where the amount would go straight to the principal of loan 5. So now Im collecting interest in an inaccurate amount.

Balance is still not corrected. On XX/XX/24 another payment of {$250.00} was paid with the amount coming out on XX/XX/24. All balances were updated for that payment. The {$100.00} dollar payment from the XX/XX/24 payment has yet to be reflected.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

This complaint follows a previous complaint I submitted regarding my XXXX credit card account with Goldman Sachs Bank. In late XX/XX/year>, I applied for an XXXX credit card and received approval on XX/XX/year>. Shortly after, I contacted Apple Card services to inform them of my XXXX ( I am XXXX ) and requested assistance in setting up and operating the credit card. 

On XX/XX/year>, I attempted to use the card, but it was declined due to a restriction. Despite multiple follow-ups, I was repeatedly informed that the matter was escalated and that I would receive a callback within 24 to 48 hours. These callbacks never occurred, and I faced significant difficulties in obtaining any substantial information about my account status. 

On XX/XX/year>, I received an email stating that my account was closed due to a violation of the customer agreement. When I attempted to follow up about this email, I spoke with a representative on XX/XX/XXXX, who confirmed that my account was indeed closed. The representative informed me that notations were put in by upper managementthe same individuals who were supposed to return my previous calls. These notations instructed representatives to not provide me with any further information and stated that the account restrictions would not be lifted and that the account was now closed. The representative also mentioned that I should receive a callback within a XXXX timeframe from raising the escalation. This timeframe has clearly been exceeded without any response. 

The lack of communication, assistance, and failure to accommodate my XXXX has caused significant frustration and inconvenience. I believe that Apple Card services and Goldman Sachs are in violation of the Fair Credit Reporting Act ( FCRA ) and the Americans with Disabilities Act ( ADA ).

**Violations of the FCRA include : ** 1. Failure to provide accurate information and proper notice regarding the status of my account. 
XXXX. Failure to conduct a reasonable investigation of my disputes. 
XXXX. Failure to provide a timely and adequate response to my inquiries.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I originally sent a complaint about non accurate reporting on my XXXX XXXX XXXX XXXX  account it has not been properly reported by the major credit bureaus under The Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) please update account with 100 % accurate information under the FCRA this is having a very negative impact on my credit. 


XXXX, XXXX XXXX, Equifax I am Writing this letter in regard to some of the deficiency 's in my credit report. A credit report should have 100 % correct information and reporting and not be misleading to potential creditors. Some of these items in regards to my XXXX XXXX XXXX XXXX  account listed on my credit report as ( XXXX ) are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated. All monthly payments should be reported on time. Late Payments From XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX  XXXX Should be updated as Paid on time. In XXXX XXXX  XXXX 2 Bureaus are reporting 30 Days Late the other is reporting on time this is not 100 % accurate. XXXX XXXX  XXXX 2 credit Bureaus are listing Late the other listed on time this also is not 100 % Accurate and needs to be updated to a on time paid status. Finally XX/XX/XXXX 2 agency 's have not reported and one shows 30 days late again this is in accurate information. Attached is my credit report from all 3 major Bureaus. Also the open date is not reported accurately 2 bureaus show an open date of XX/XX/XXXX and the other is reporting XX/XX/XXXX this as well is not 100 % accurate. In total With deficiency in the open date, Last Payment, Payment History, Original Payment and Monthly Updates there are 7 violations and misleading information that needs to be updated and corrected in total there is a max of XXXX in violations under the ( FCRA ). Under the FCRA if there is not 100 % correct information this information needs to be removed and updated 100 % accurate.
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I have a XXXX XXXX XXXX, it's bad plenty of recalls and I've received the information. And gotten those fixed, upon calling XXXX XXXX XXXX to inquire about anymore issues. Such as a XXXX XXXX. They told me " Yes there was a recall on it for your car, issued this date '' and I told them I never received that information or anything. And they Said " Well there's nothing we can do '' this is inappropriate and fraudulent behavior.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (MD)

Indigo I signed up for the protection plan when I was working when I was out of work, for months unable to make the payments I called them because I had the protection plan and it was not honored.they explained the protection plan was covered for the XXXX 30 days when I was working so they did not cover it for me being out of work. I closed the account because I didn't like the way the company operated so I closed the account when they did not honor the protection plan.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-02-07
Product: Credit reporting 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: Experian Information Solutions Inc. (CA)

Subject : Urgent : Request for Assistance with Accessing Credit Report Dear Experian Support Team, I hope this email finds you well. My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention an issue I am currently experiencing with accessing my credit report through your platform. 

I have made several attempts to retrieve my credit report using the online portal, but unfortunately, I have been unsuccessful in obtaining the information I need. I understand the importance of regularly checking my credit report for accuracy and monitoring my financial health, and I am eager to address any potential discrepancies or issues. 

The details I used for verification purposes match the information on file, and I have followed the recommended steps outlined on your website. Despite my efforts, I continue to encounter difficulties in accessing my credit report. 

I kindly request your prompt assistance in resolving this matter and providing me with access to my credit report at the earliest convenience. If there are any additional steps I need to take or information required to facilitate this process, please do not hesitate to let me know. 

To assist you in identifying and addressing the issue, here are some relevant details : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/1998 Address : XXXX XXXX XXXX XXXX Social Security Number : XXXX I have also mailed a formal letter outlining the issue and my details to XXXX at the following address : XXXX Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX I appreciate your prompt attention to this matter and would like to thank you in advance for your assistance. If there is a specific department or contact person who can help expedite the resolution of this issue, please provide their contact information. 

I look forward to your prompt response and a quick resolution to this matter. 

Thank you for your attention and cooperation. 

Sincerely,
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to dispute inaccurate information present on my credit report. Upon reviewing my credit report, I have noticed that there is inaccurate late payment reporting on my credit report. It is imperative that this error is rectified as soon as possible, as it is adversely affecting my XXXX XXXX and may have repercussions on my financial standing.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any purpose