davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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: SYNCHRONY FINANCIAL (CO)

Transaction via XXXX XXXX XXXX was disputed on XX/XX/XXXX in the amount of {$210.00}. Vendor overcharged and failed to deliver the merchandise successfully. 

XXXX Synchrony Mastercard did not communicate effectively and closed the dispute which had to be reopened again on XX/XX/XXXX. Documents were successfully sent via fax and through the online message center. XXXX Synchrony Mastercard states that they have reopened the dispute when they have not. They also state that they have not received documents when I have screenshot proof that the files were successfully sent through the online portal.
Consumer complaint received 2021-11-21
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: EQUIFAX, INC. (TN)

I have received several unauthorized inquiries on my credit profile. I noticed that some of the inquiries traversed across all XXXX credit bureaus. I sent in dispute letter to all XXXX bureaus and XXXX ( XXXX and XXXX ) of the bureaus have complied with removing the unauthorized inquiries. However, Equifax is refusing to remove the fraudulent inquiries and is demanding police reports and FTC documents to considering removing these inquiries. 

I did not authorized any one to place inquiries on my behave. I have sent several letters to XXXX and filed several complaints with regards toi these inquires. I have even sent certified mail to Equifax to resolve this problem. To date, they are refusing to remove these inquiries and this is causing a financial hardship because of the effects of these inquiries. I am in the process of a home purchase and my good credit is being tarnished by the unauthorized inquiries and my even make me ineligible to obtain this purchase at a undesirable interest rate. It may even assist disqualifying me to obtain the mortgage.
Consumer complaint received 2019-11-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  never showed proof of their investigation with XXXX. I asked them to investigate an Issue. I also told them to provide me with the original contract from the original Debtor with my signature and XXXX  failed to do so. They sent me a later stating that the information is updated which should of been deleted.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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 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 2023-10-01
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. (PA)

I've sent the following message by mail to Transunion and XXXX over 40 days ago and still have not heard back or received an update. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraud Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX  ]
Consumer complaint received 2019-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (IL)

I have had all of my student loans with discover. The first issue was they keep saying that they will consolidate my loans and they never do. This last month I was locked out of my account. The only way to reset your password is to input your date of birth, social security, and email. I have made sure all of those things are correct and every time it says my information is wrong. The month before I had to call them to make my payment because any time I tried to do it under my account it wouldnt process the payment. The month before that they said they couldnt take the payment online or over the phone so I was required to send in a check. The month before that I couldnt make my payment online and I called customer service and they said they couldnt access my account so the would send it to their investigation team. The month before that is when I started having issues with them. I think this started in XXXX. But even though they had claimed to send it to someone that would fix it, it was never fixed. So now there are months that I have had late payments effecting my credit and also my cosigners credit. This issue has been a nightmare.
Consumer complaint received 2021-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

PHH MORTGAGE I HAVE XXXX ISSUES WITH PHH MORTGAGE. IN XXXX XXXX2020, INFORMED PHH THAT I DID NOT HAVE TO PAY COUNTY TAXES ANYMORE BECAUSE I BECAME 100 % XXXX VETERAN. THEY STATED THAT MY MORTGAGE WOULD BE XXXX PER MONTH. THEN IN XXXX 2021, THEY STATED THAT THE MORTGAGE IS XXXX $ PER MONTH. i ASKED THEM HOW DID THEY MAKE THAT MISTAKE. THEY STATED THAT THEY WOULD DO AN INVESTIGATION. I HAVE NOT HEARD ANYTHING FROM THEM SINCE I INSTIGATED EXCEPT FOR LETTERS STATING IT WAS BEING INVESTIGATED. I BELIEVE THEY OWE ME XXXX $ WHEN I LEFT OCWEN, OCWEN MORTGAGE COMPANY, OCWEN, OWED ME A SUBSTANTIAL AMOUNT OF MONEY BECAUSE THEY DID NOT GIVE ME A PARTIAL EXTENSION DUE TO BEING 90 % XXXX VETERAN. THEY WOULD NOT ADDRESS THAT FACT BECAUSE I WAS TRYING TO GET A MODIFICATION. THEY ALSO CHARGED ME MONTHLY TO PAY MY MORTGAGE. 
OCWEN DELAYED MY MODIFICATION NUMEROUS TIMES BY REPEATEDLY FINDING ISSUES WITH THE SAME ISSUE, NOTARY SIGNATURES. I WAS TRANSFERRED TO PHH MORTGAGE IN XXXX 2020. MY MORTGAGE WAS XXXX WHEN I WAS TRANSFERRED TO PHH MORTGAGE MY EQUITY WAS STOLEN. THE MORTGAGE AMOUNT WAS XXXX. I HAD XXXX STOLEN FROM ME. AT THE TIME I DID NOT UNDERSTAND WHAT HAPPENED. I FEEL THAT I HAD A LOT OF MONEY STOLEN FROM ME BECAUSE OCWEN DID NOT ADDRESS MY 80 % XXXX FROM THE VETERANS AFFAIRS AND IT WAS NOT ADDRESSED WHEN IT WAS TRANSFERRED, I WAS TOLD I HAD TO BE 100 % XXXX DUE TO HAVEING A MODIFICATION AND THAT IS A LIE. 
I WANT ALL THE MONEY THAT IS OWED TO ME BECAUSE OF THESE CIRCUMSTANCES AND MY EQUITY RETURNED. I DO NOT BELIEVE THAT I USED XXXX OF EQUITY DURING THE XXXX - XXXX TIMEFRAME.
Consumer complaint received 2017-10-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and Experian both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork on XX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or Experian ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and Experian and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (FL)

In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXXXXXX XXXX  game at my house in Florida. XXXX  was installed XXXX XXXX  week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next XXXX months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took XXXX more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX debit card was stolen off my couch while Was in my bathroom. When I couldn't find it I called in for a new card never recieved it. So Bank of America did emergency XXXX XXXX. The second replacement ordered I still had yet to recieve. By XXXX I called in yet again to find that charges adding up to {$2000.00} from XXXX. I disputed these charges and waited XXXX days they had reimbursed me for XXXX charge of {$34.00} but when I asked about the rest was told there were no other disputes. Which is inaccurate because the {$34.00} was apart of the charges between XXXX but I disputed them all again anyways. They got denied and now when I call I never get through it get hung up on.
Consumer complaint received 2021-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

I am in the process of repairing my credit and in going over my credit report with XXXX I noticed that my Nelnet Student Loan that I am currently paying on is also listed on said report XXXX other times with the same exact information as the current accounts only they have different account numbers showing and are reporting as transferred/sold. I spoke with someone in customer service on XX/XX/2021 and he stated it's not showing on their end at all. I'm trying to figure out how if it was transferred/sold that it is still showing with Nelnet-The original company?
Consumer complaint received 2021-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (NY)

I am a XXXX  XXXX XXXX XXXX and was injured at work ( XX/XX/21 ) at the seaport located in XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an emergency room visit. The injury was covered by Workman 's Compensation and I never received a bill from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ). Then Franklin Collection Agency ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) sent me letters and called me in order to collect the hospital payment of {$1300.00}. I have explained to them that it was paid through Workman 's Compensation and even verified that with the Hospital 's billing department. They would not accept any of this and have just ruined my credit score with a derogatory statement.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/19 I contacted Transunion after mailing letters to XXXX XXXX, XXXX XXXX XXXX and XXXX regarding inquiries on my credit report I did not authorize. After receiving no response I contacted Transuion who informed me to contact the creditors making these reports, as i stated above I had already. 

I still have these inquiries on my credit.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

In XXXX the car I purchased from this company 1 year ago began having mechanical problems. I took it to a repair shop and attempted to use the extended warranty to cover the repairs. The warranty company denied coverage so I was now liable for almost $ XXXX of repairs. About two weeks before my XXXX payment was due I reached out to Bridgecrest to ask that XXXX payment be moved to the end of my loan due to the exorbitant amount the repairs were costing me. I also had to push back several other bills to try and get this paid. Bridgecrest initially told me to borrow the money from a family member. After requesting a Sup I was told I would HAVE to wait until the payment was late before I could request this. So XX/XX/XXXX, 1 day after due date, I called in to submit the request. Two days later I called to check the status of said request and was told it was denied. No reason given as to why but the rep proceeded to tell me once again to borrow it from my spouse or a family member. If it was that easy I would have and Im not married so to assume and/or say this type of stuff is problematic at best. Once again I spoke to a sup who then had me resubmit the request. Today I called to check the status and once again told it was denied. This time the rep told me they would never approve that request especially since Im not 20-30 days delinquent. Then she offered a payment plan for me to pay almost {$200.00} additional per month for the rest of the year to catch up that payment. Ive already advised them that paying extra to catch it up is not feasible due to the significant amount I had to pay to even get it fixed. Bridgecrest is not only unwilling to approve this simple request so that I can continue my on time payment history with them with the upcoming XXXX payment but they are basically forcing me to be late and rack up late fees as well as negative marks on my credit report. Thats not right when Im already trying to get back on track after my divorce and bankruptcy. I pay this high interest car note because of that. Im trying to make sure my payment history stays good so I can continue to rebuild my credit after bankruptcy not have it messed up again.
Consumer complaint received 2022-12-17
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: Rent Recovery Solutions (TX)

In accordance with the Fair Credit Reporting Act, Rent Recovery Soluti has violated my rights.

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (NV)

I'm a victim of identity theft, pursuant of section 605B. You must remove the fraudulent inquiries : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (TX)

I recently reviewed my consumer report and noticed there was unauthorized account by the name of XXXX XXXX XXXX XXXX this account was opened XXXX of XXXX  and closed around XXXX of XXXX, this account balance is for {$3700.00} and has past due balance of {$1400.00} and is currently affecting consumer report negatively and has been very upsetting and troubling to deal with. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XX/XX/2021 I SENT A LETTER TO CREDIT ACCEPTANCE ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO XXXX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER 12,000 THEY STILL HAVEN'T UPDATED THE REPORT. XXXX SAID IT CAME BACK VERIFIED. HOWEVER CREDIT ACCEPTANCE SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.
Consumer complaint received 2019-07-30
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid my credit card statement in full to BANK OF AMERICA to only find out 2 months later that they had charged me a {$1.00} in interest, I guess due to timing of that payment. But because i did not know that there was the small charge, i was charged a late fee of {$37.00} dollars. I did not know I owed this so i did not check my credit card statements until i got a letter dropping my credit limit from {$12000.00} to {$500.00} and they put a late mark on my credit report. I had a credit score that was around 780 but now it has dropped to a XXXX. Really irritated, because i always pay my bills. What i did on this credit card was set it up for automatic withdrawals so this would not happen again. However, I do plan on canceling this card due to the unprofessional responses and lack of concern when i talked to Bank of America. I have a feeling that they could care less about me being a customer. The reason i feel this is that i pay most of my statement balances in full so they are not making any money on that. I have ran some balance in the past with them, so they should see me as a valued client. I have over XXXX airline points with them so I can not cancel this card until i use my rewards. BUT BELIEVE ME, I WILL CANCEL ONCE I USE THOSE AIRLINE MILES. All consumers need to be aware of Bank of America. I have accounts with XXXX, XXXX XXXX, XXXX, and XXXX. I have never had these types of issues with them!
Consumer complaint received 2021-11-21
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: Experian Information Solutions Inc. (TX)

I wrote to XXXX XXXX XXXXt and requested debt validation showing I opened this account with them and owed the balance. I have NEVER had A XXXX XXXXk account and was A victim of identity theft. The company responded and said they can not provide me with A signed contract with my signature agreeing to this debt nor could they provide me A copy of my drivers license as proof I was the person whom opened his account. I then submitted an online dispute with all XXXX consumer reporting agencies as they are reporting inaccurate fraudulent information. XXXX successful deleted * Experian * XXXX both updated the account as valid. They have provided no proof of this credit account belonging to me. Instead they sent statements that where mailed out. Per federal guidelines sending mailed statements is not proof that I ( XXXX XXXX ) opened this account and requested this credit. Due to this company fail attempt to verify this debt is indeed mine I am requesting the comsumer reporting agencies remove ALL XXXX XXXX XXXX accounts that are reporting. Again, I have NEVER had an account with them and they are showing multple times on my report. Please have this removed and send an updated copy of my consumer report. They wont be able to provide such details because I have never had an account with XXXX also known asXXXXXXXX.I have requested A signed contract with my signature and or driver 's license and the company has failed to.provie this information is accurate. This is A direct violation of federal guidelines.