davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P. (AZ)

On XX/XX/2017 there was an account open that states I owe {$1100.00} to XXXX XXXX, XXXX on my credit report. I have never or agreed to any contracts verbally or written with this company for any payments owed or debts due. I have never heard of this company and now I am getting an overflow of emails from this company threatening me that I have to resolve my account balance or it will be sent to a lawyer. I know that I owed XXXX XXXX for an amount way less than this company claims I owe. I tried to work with XXXX XXXX company back when I was unemployed and they were working with me until this XXXX XXXX  XXXX appeared on my credit last year in XX/XX/2017, which this debt collector is holding my credit score down and restricting me from getting an apartment and auto loan. I do need a home and transportation for work and it requires to build up my credit. I thank you for your time.
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I got a care credit line from Synchrony Bank for dental work that I had to have done. I understood that there was a period of 6 months where my interest wouldnt accrue. What I didnt understand is that after that period if I didnt pay it off in full, all of the amount I had paid down would now have interest applied at over 30 percent rate. What Im really mad about is they didnt display a email note prominently in the month or two leading up to this happening. Shouldnt they have to send you a note highlighting that you are suddenly going to owe a large amount tacked on to your balance? I also have a promotional deal with XXXX XXXX and they sent me a prominent email note 2 months before the interest kicks in. Seems like a practice that CFPB would support if not mandate.
Consumer complaint received 2022-11-29
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: 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. 
XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00}, XXXX XXXXXXXX : # XXXX XXXX : {$200.00}, has violated my rights. 
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 2022-11-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.
Consumer complaint received 2022-11-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern upon checking my credit report on XXXX, Transunion, and XXXX XXXX I noticed some inaccurate credit reporting on the accounts as follows ; Transunion : 1. ( XXXX XXXX XXXX ) 2. ( XXXX XXXX XXXX  ) Please verify accounts information accuracy by providing the following documentations as follows ; 1.Balance history 2. Credit Insurance 3 . Interest rate disclosure 4. Payment history 5. Payoff disclosure 6. Original contract Please provide all documentations to insure accurate information regarding the above accounts if unable to provide documentations kindly delete inaccurate accounts from my credit report.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I am currently enrolled in XXXX XXXX XXXX XXXX with my loans being serviced by XXXX. For the XXXX  of XXXX through XX/XX/XXXX my loans were placed in XXXX XXXX with assurances that those XXXX would count as eligible for XXXX payments. While the XXXX  of XXXX and XXXX were counted as eligible, the XXXX  of XXXX has not. I've placed phone calls to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to this matter. Additionally, I've messaged them on XX/XX/XXXX regarding this issues. On XX/XX/XXXX, I was instructed that the XXXX XXXX XXXX would correct this matter and I reached to the XXXX. of XXXX and was told that XXXX  would correct. On XX/XX/XXXX, I was told that the payment would be corrected with the next billing cycle. After my XXXX correspondence, I was instructed to submit a new XXXX XXXX XXXX which was submitted and approved on XX/XX/XXXX and the matter would be corrected. During the phone call on XX/XX/XXXX, I was assured that the issue would be corrected in XXXX XXXX  days. As of this writing, the issue remains unresolved. I've now made what should be my XXXX payment ( on XX/XX/XXXX ) towards forgiveness and should have my loans forgiven. With continued difficulty, this will now impact my potential future earnings until this is corrected. I've attached communications from XXXX  regarding this issue.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (TX)

I checked my credit report as I normally do and noticed that National Credit System was showing as a collection account. I have no idea who National Credit System is as I was never notified of any alleged debt that they are reporting. So I sent a certified letter requesting for validation on XX/XX/2024. I waited 30 days, never received a response for the validation. I sent a second letter certified on XX/XX/2024 advising that I never received a response and I am prepared to take legal action. As of today XX/XX/2024, I have yet to receive a response.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I tried to make withdrawals from my IRA account with Merrill Lynch for three straight days from XX/XX/24 to XX/XX/24. Although my account balance shown on their web site was for more then I tried to withdrawal. They did not process the withdrawals stating that the funds were not availble. They could not even give me an answer why the funds were not available.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Today is XXXX-2017. I have been a victim of identity theft already. 
I am included in the Equifax security breach. I have tried unsuccessfully for days to talk to someone at Equifax. If I do get a person, they take the information and say I will get an email with a number for identification. I never get an email. I want to put a credit freeze on my account. If you go to the website and try to put in a credit freeze, it gives you an error message that 's says, we are sorry, we have run into a technical problem. Please try again later. If problem persists, contact customer support. When I call customer support, they either put you on hold for long periods of time and then hang up on you or they say due to the high number of calls, please try later. This has been going on now into the second week. Equifax needs to address these problems and assist the people that have been impacted by their data breech. I have been dealing with identity theft for 2 years now. I all ready have a fraud alert on all my accounts but I want to put a credit freeze on them. The impact of this breech needs to be dealt with in a timely manner. Stop hanging up on customers, stop giving them a time limit of when they should be getting an email that never comes, stop transferring the calls to someone else, stop sending them to a website that never accepts your personal information and just tells you there has been an error. I worked for XXXX XXXX in XXXX until retirement. They need to do their jobs and hire more people if required to, be more understanding of those of us who have all ready been dealing with our identity being stolen and get the job done. Equifax has failed in every aspect of its job.
Consumer complaint received 2017-07-18
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: JPMORGAN CHASE & CO. (CO)

XXXX -  XXXX   XXXX   Ran a credit report for myself. Buying a house. We noticed that Chase card services has reported a late payment on my account. The missed payment was their fault or the fault of my bank ( FirstBank ) that they contracted the ebill service with. The event occurred in   XXXX   XXXX  . A payment " due date '' was missed, because they did not send an e-bill to my bank, and thus it was not automatically paid as usual. A series of phone calls from unknown numbers, at strange times of day began, where no one left a message. I was finally available to answer one, spoke to the person on the other end who was apparently an agent of chase, and was completely unaware of the missed payment until that point. I made up the missed payment right there on the spot, and the account has been current since, and it was current for at least 5 years prior to that. Never late, once, never, ever. Now we manually make every payment out of fear that something like this will occur again. Chase made a mistake. They changed something that prevented the ebill, and did n't notify us in an electronic manner that anything was late or missed. The account was current, and I 'd assumed all was good at that point.
 XXXX - XXXX  Ran a credit report again. See they have reported this event as my fault to the credit reporting agencies. This demerit mark on my account history has potential to cause future problems, so I submit a dispute to get the incorrect negative information removed.   XXXX   was the only company who I was able to do so.   XXXX    I tried to submit a dispute and the web page code was broken.   XXXX    I could not even find out where to dispute it. Once you close the web page it is gone forever.
 XX/XX/XXXX  I receive a notice from  XXXX  that the item in question was " updated '' as a result of my dispute. I look at the " updated '' report today, and I see the " 30 days '' item remains. From looking at this report, I ca n't tell what was updated, and I have concerns that something was made further negative. It is of concern that they ca n't just tell me the exact action that was taken, even if the action was " no action ''. I have to assume " no action '' based on what I see, so I 'm escalating this complaint.
My complaint is primarily against chase card services. Also  XXXX ,  XXXX , and  XXXX  provided no tools to incite the proper correction
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (SC)

An unauthorized transaction was charged on my Discover credit card on XXXX XXXX, 2023 of {$900.00} from XXXX. I tried to contact the Discover team and they said that they will need more information regarding this case as the company said that the order was delivered. But when I contacted XXXX XXXX for the same asking about the order even after having no account on the XXXX website, they said the order number was never generated. I also filed a police complaint regarding the same and I have the police report. I also tried to send the live chat conversation between myself and XXXX people to prove that I never ordered any product from XXXX in my entire lifetime and never had an account on XXXX as well but still the Discover tean refused to accept the proofs given by me saying they are false proofs. I sent everything to the Discover people, the police report, the chat conversation between me and XXXX saying the order number was never generated as there was some kind of error, but still the discover people refused to credit me my unauthorized charges back to my account till date. I have been contacting Discover people over an year now and still they are not refunding me the amount.
Consumer complaint received 2023-04-13
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. (GA)

I submitted a complaint last XX/XX/2023, the companies involved responded saying that they will reinvestigate but after it those fraudulent items are still reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2017-05-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

We were approved for a HAMP Trial in   XXXX   XXXX   by  XXXX   XXXX , but they transferred servicing of our loan to  Bayview Serv icing before we could complete the Trial and make payments. So in   XXXX   XXXX   the request for modification assistance b  egan again with Bayview.
During the past six months  , all documents requested have been submitted and confirmed on several occasions. Each time, however , Bayview will t hen request more documents or " updated documents '' that should have been requested in the first place.     Now they have pla ced a Sales  Notice for   XXXX   XXXX   XXXX   on our door, even as they have communica ted NOTHING to us via  regular mail, email or our account status on their website, which continues shows us under review for our modification.     And yet a sale is underway.     We have repeated emailed and uploaded complaints to  Bayview o ver their handling of our modification repeatedly. No response except more document requests.     Furthermore, our asset  manager at Bayview has ig nored calls and emails asking for answers, and his supervisor has done nothing but say that just because we already uploaded the documents they are now requesting AGAIN to their website " does n't mean those documents shown on our website are in our actual system. It happens. '' Huh? And that 's OUR fault?     To be clear, the only reason we have not been put into review and modified is because they do n't want us to go into review because they would have to approve us. We qualify. We did before with  XXXX , we do now with  Bayview. Th ey seem hellbent on foreclosing on our home, not helping us. They have n't even offered an workout options like a short sale. We have are already lined up several real offers with real buyers with a realtor ready to submit in case we do n't get our modification, an d yet Bayview is p laying it that if they do n't put us in review WITHIN THIS WEEK they will foreclose with NO other options presented to us.     In conclusion :  1. We and Bayview al ready know we qualify for a HAMP Trial or in-house modification based on their own formulas.      2. Bayview in bad faith  has never put us into review by repeatedly losing our documents, and then after we provide them saying they need more. This because they do NOT want to verify our income or qualifications. Because they already know we qualify! They have the pay stubs, the  XXXX , the tax returns, etc.!      3. Bayview ha s at the same time pursued a dual-track strategy to foreclose on us in the meantime.      4. Bayview  has offered NO other workout options besides foreclosure, and refuses to postpone the sales date while they " gather more documents '' or provide other workout. They are hellbent on RUNNING OUT THE CLOCK, i.e., sell our home.
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I accidentally sent an electronic payment to XXXX on XX/XX/year> in the amount of {$290.00} to apply to account XXXX. They accepted the payment. The payment was supposed to go to XXXX XXXX Yesterday I got an email saying that my XXXX XXXX XXXX late and I realized the error. I paid the XXXX account and have been on the phone with at least XXXX different people for almost XXXX hours and all they keep telling me is that there is no such account. But no one will tell me where they applied my {$290.00} or how to get it back.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have XXXX accounts with XXXXXXXX XXXX  that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. Three laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 XXXX XXXX account was closed by them even though the account was current. The other one is still open. I want the last fees status updated on my report from XXXX of 2021 thru XXXX of 2021. I paid the account in full before they decided to close the account. The other open account is current. Please resolve this issue.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KY)

My original Lexisnexis Case Number is # XXXX and Consumer # XXXX On XX/XX/2022 Lexisnexis sent me a copy of their agreement to Reseller Dispute letting me know that my account was frozen and that they have deleted anything on my file and will not be obtaining my public records ever again. However Lexisnexis did not keep that agreement and illegally obtained my public records without my authorization and illegally sold my XXXX XXXXXXXX bankruptcy and all the adversed accounts included in my XXXX XXXXXXXX to the credit bureaus. This time they changed my XXXX XXXX to XXXX and Case number XXXX this is proof that they accessed my public records without my authorization in XXXX. I have consistently asked for them to delete all items that were included in the XXXX XXXX from my credit report. They are saying that they aren't responsible but I have proof stating that the credit bureaus get my public records from Lexisnexis. Which therefore holds Lexisnexis responsible for illegally selling my public records and for deletion of all adversed accounts that were listed in the XXXX XXXXXXXX bankruptcy from all XXXX of my credit reports. All by the LAW Must be Deleted from my credit reports Bankruptcy XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the updated evidence that clearly specify how the credit bureaus obtain my public records. Please read carefully. 

I needed to send the Proof of Lexisnexis being responsible for accessing and reselling my public records
Consumer complaint received 2023-06-16
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. (PA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$27000.00}.