davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Brock & Scott, PLLC (MD)

I have been contacting XXXX and XXXXXXXX XXXX for over a year trying to get the mortgage modified. The lender continues to avoid me. I began keeping records of my calls with the company. They are telling me that the foreclosure date is XX/XX/year>. I sent in a Debt Validation letter by mail, email, fax, and overnight mail. I am waiting on a response. I also sent the Validation letter to the Trustee, BROCK & SCOTT PLLC. I feel BROCK & SCOTT does a lot of deflecting as well. For example, the last time I called the representative ended the call. The rep told me she was recording the call, and I replied that I was doing the same. She informed me that she could discuss the foreclosure with me while I was recording ; which was peculiar because she was able to record the call. I have a record of my calls with the entities previously mentioned.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received my SS check on XX/XX/year>, in the amount of {$2100.00}. On the same day my boyfriend deposited a third party check in the amount {$4500.00}. Now, I understand that they need time to clear those funds, but meanwhile they are holding my SS funds also. I live from Paycheck to paycheck and get paid once a month! this is causing a lot of problems and putting undue strss on me. This isn't good for my health. 

Right now I'm late on XXXX bills. I want Capital one to pay these late fees and clear my name with all XXXX Credit Bureaus. I can not afford to have any more marks against me on my credit report. Plus, I have XXXX payday loans that can't get paid and that is making me look uncredit worthy!! This is a nightmare! 

I have called them and they don't care, they have to investigate and they can't even tell me how long it will be!
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 XXXX 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 2017-05-16
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. (TX)

I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid  " medical data '' a ccount with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score a nd is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  XXXX
Consumer complaint received 2017-05-16
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. (CA)

Today   XXXX   XXXX  I spoke with a Transunion Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him Transunion had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but Transunion has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-06-01
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. (TX)

I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing has and continues to engage in Loan Servicing Fraud. RPS ( RightPath Servicing ) is misappropriating my mortgage payments by not applying them towards the contracted monthly mortgage payment as described in the mortgage agreement. RPS has deceptively created fees in order to create a false situation of payment distress. RPS is now attempting to implement a Loan Modification, simply for their own monetary gain. I have never requested a loan modification as one is not needed.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Please see complaint # XXXX LVNV ( Resurgent ) has since closed the account however, they have not reached back out to the courts to have the case dismissed. This is a violation, as this organization is attempting in every way to tarnish my reputation, and my credit behind something I did not do. Once LNVN ( Resurgent ) closed this case on XX/XX/2023 this should have filed to have the case dismissed and the motion removed from my record, however they have not, and the courts advised me that they would continue to proceed UNLESS LVNV ( Resurgent ) files the proper request. Now some ran to the courts when my identity theft claim, was filed to try and file a claim to sue me. I going to need LVNV to have that same type of energy and going and submit to have that claim closed and removed from my records.. Otherwise I asked that they be fined and or I will file a civil suit for defamation of character, mental anguish for the amount of time and energy I have had to spend behind something that has been classified as identity theft.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the practices of Synchrony Bank with my PayPal credit card. I made a payment on my account on XX/XX/XXXX, and while the payment has been credited to my account, the funds are not available for use until XX/XX/XXXX. This delay, almost a full billing cycle, is unprecedented and unreasonable. 

Synchrony Banks justification for this delay is that it is a normal practice in case I cancel my posted payment, which is not possible. I have never experienced such a problem with any other credit card. This delay has caused significant inconvenience ; for instance, I am unable to pay certain bills because my transactions keep getting declined, even though my balance is {$3.00}. The payment covered the full balance, and the card has a limit that is less than any other card I have, making this extended hold period even more baffling and unjustifiable. 

Additionally, I have encountered issues with using the PayPal credit card at reputable car rental companies like XXXX and XXXX. They informed me that they can not accept this form of payment due to prior issues and the volume of problems they have had with this card. They would not provide any further details. This suggests there may be other questionable practices by Synchrony Bank that are affecting the acceptance of this card. 

When I contacted Synchrony Banks customer support, I was informed, with an unhelpful attitude, that this is standard practice. It is unacceptable and unheard of for a credit card company to withhold credit usage for such an extended period after a payment has been posted. This policy should be clearly communicated to all customers. 

I urge the Consumer Financial Protection Bureau to investigate these practices, understand why these policies exist, and determine what consumer laws can be applied to protect customers like myself from such unfair treatment. Specifically, if a card is paid and the balance is fulfilled, why is the credit not released promptly? 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

RC/RESURGENT RECEIVABL Is showing on my credit report as a collection. I requested a proof of contract I signed with them ( Resurgent ) and 1099C from original creditor since its a charge off which means they have already been paid. 
On top of that they shared my information with another party XXXX which is a violation FDCPA.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC (NY)

I requested a signed copy of the contract that I made with this company to enter into any agreement for this debt. 
This in clear violation of FCRA as I did not signed any contract with his company. I never heard of them, period.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (WI)

I just typed a very long message that disappeared after I checked the docs I uploaded. The chronology is a bit of here. That option coming before submitting is leading to me have to type again. I'll be brief. 

I am complaining about the Indigo credit card. This company has tanked my credit utilization twice, and I just got it. Initially they reported a few days after I got the card. Normally, if it's close to the due date they report the following period. I didn't have a payment, but I got a notification stating they reported the XXXX I used? Basically telling the creditors I owed them without informing me I did. On that note. I called in to make my payment, so I can ask why they reported I owed them a few days after I got my card. She said that's the way they report at that company. I then stated to here I want to make my minimum payment, and I'd pay the rest before the statement prints. I explained why. All credit card companies report what's left on the card after you've paid in full on the statement date. They don't tell consumers this either. 

She went on to say that they report the next day. On that not, I said I'd pay the full balance, which I did. Only to receive another notification from experian today say my score tanked XXXX points due to her not processing the payment. The funds I transferred are still in the account, the date as well. I will upload it. I was going to use my debit. She said I had to use a checking account. I asked her to stay on the line while I transferred funds into the account. She repeated the number back and processed the payment. I almost feel like she intentionally did this simply because I was upset about them reporting I owed them to the creditors, while I wasn't aware. If this is the case. She basically didn't take my payment, which her company is in business for ; and pays her to do. Only to spite me. 

Not sure if the XXXX documents came, but I'm resubmitting them to be sure.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CONTRACT CALLERS INC (NY)

The company is trying to extort money from me via collection. I have never signed a contract with this company nor have I ever spoke to them about this money. They failed to show me where I signed a contract with them. Plus they failed to verify or validate this amount with me in violation of FCRA.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid 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: U.S. BANCORP (OR)

On  XXXX   XXXX ,  XXXX  I use d my US  Bank  Visa c redit card to donate money for my son ' s fundraiser to   adopt a child. Recen tly ( la st  XXXX   ) m y son decided not to adopt and to have   XXXX   ( who holds donated monies through We  Pay ) retu rn the donations. I am the only donator who has yet to receive my refund. My donation was the most generous amount.    I have had numerous emails with   XXXX    and   with US bank but each claims the other must still have my money. US Bank, who a while back changed my Visa card  to  a Mastercard, cl aims that if the refund was sent to my o ld Visa  acct. number it would have been rejected. Meanwhile I 'm getting emails from   XXXX   promising action on my behalf yet nothing has actually happened. I still have not had my money returned to me.   I have many, many emails from  XXXX  from  XXXX   XXXX ,  XXXX  onward until last week that would reveal how they claim to be advocating for me yet these appear to be no more than empty words.   I am not sure how to email these to you.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, We have been in a ( 2 ) month process contacting American Express National and have had an issue with them re-submitted a valid ( XXXX ) XXXXXXXX XXXX through the XXXXXXXX XXXX XXXX for identification verification. 

We updated our information as per name change declaration decree request order ( XXXX ) documents through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And have the exact same account with prior ID and name verified on the documents listed in this court order as per the updated " OLD '' to " NEW '' name that is exactly the same as to when the account was established and matched the " OLD '' ID as to the " NEW '' ID and both names are mentioned as they appear in this report as on the declaration order document ( pg XXXX ). 

We gave them ( XXXX ) months and contacted numerous times, they would not only XXXX but also did not take the contact seriously with some form of mockery in the customer support contact as to hanging up, saying the XXXXXXXX XXXX company would assist, the other side the XXXXXXXX XXXX  company saying that the American Express National would be able to reinitate a new session. 

The past question on XXXX was ( XXXX ) live chat session was scheduled only within ( XXXX ) months time and as to that fact, they asked a question on the credit protection record questions and the question matched the old name and a question that has to do with the old name, we then answered based on that and it canceled the session. 

We asked them to set up an additional live session to answer the questions based on the new name and they have still not made the completion of the process and are stopping our banking activity.
Consumer complaint received 2024-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (FL)

On XX/XX/year> I sent XXXX XXXX XXXX a QWR request per respa which I have attached. CXXXX XXXX XXXX was my servicer before they transferred the servicing rights to Fay Servicing. They haven't acknowledged my request for information within five business days. They received the QWR on XX/XX/year>. I need the information requested and have attached the letter I sent.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I recently found out my information was used on the dark web and my phone was missing ans stolen and many transactions were made through the year and I made reports and disputes and well Fargo discriminated me and I felt like cause I was " XXXX '' they said they had to cut ties and they dis not credit me or help disputes the charges made against me. I spoke to their superiors and they also were following the notes in their system that I was having my account closed for they claim that it was my protection and theirs when my phone card and wallet, mobile app was being used. I tried to argue and fight to keep my account but they determined that it was the best thing they can do for me for now.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here.