davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I applied for a XXXX XXXX credit card account issued through Synchrony Bank in on or around mid 2020 ( XXXX or XXXX, as soon as it became available and rolled out as it is a new credit card from XXXX entering the market ). On XXXX an auto payment was sent to debit my bank account for a payment of {$2300.00}. This payment did not have sufficient funds and returned. The bank waived the fee, I chatted with XXXX ( from what I can recall, I was not sent a transcript for this conversation but I remember chatting with them ), All was well, just the pay days did not align and it was around holiday season. Fast forward to XXXX : I made an online one time payment of {$2000.00}, where I considered paying only {$1600.00} but needed to pay more. I decided to pay more, but did not transfer the remaining funds over to our new account that we were using exclusively for bills to alter and separate our bills from spending. This very real human error has resulted in XXXX by Synchrony to close the account without notice. This is a violation of UDAAP as this was deceptive. This policy strictly based on a business decision states that after two return payments within a designated time frame the account will be closed. This account reported as closed due to settled or inactive, which is neither the case. This policy is not disclosed on my monthly statement OR the statement disclosures, nor was it advised at the time of the chat. Had this been advised I would have practiced EXCESSIVE caution and as a result my credit is severely impacted and an account that is heavily used and paid in full typically is now closed. Synchrony failed to advise and fully disclose this policy. If this policy is listed to the terms of the card, there is no way for me to reference or find it directly linked to my online account portal. The card was applied for online and received in the mail. I do recall reading the full terms and being aware of the fees for the returned items. Full payment was made to rectify both instances of returned payments, and I have almost a decade long history with Synchrony and have never heard of such a policy. I would Synchrony to make this policy better known to its card holders as this closure has significantly impacted an impending mortgage loan process and I am very concerned and worried for my credit lending future due to the actions of Synchrony.
Consumer complaint received 2022-09-27
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. (DE)

I have called multiple times and made multiple disputes I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights ACCOUNT NUMBERS : XXXX, XXXX ALL XXXX ACCOUNTS
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Red River Credit Corporation (OK)

I informed them I'm on limited income and the summer electric bills just really put me in a bind and that I was unable to make the loan .I did refinance at XXXX time, and then I got into trouble again, because I couldn't pay the electric bill. they call me everyday non-stop they even called me on a Saturday and I've told them I can not pay them and I don't know when I'll pay them.I get text messages I get voicemails and I call them back immediately and I tell them the same thing. I don't have the funds they get very rude, very attitudinal and I tell them please stop calling me. I've got health issues which start up every time you calland the lady named XXXX can get really rude with you and angry. and I've asked them and now today it's just awful I tell them to stop calling me and if they have to send it to collections it's been since XX/XX/XXXX and today is the XXXX and they still won't stop they tell me I have to come in and I said I can't come in and our policy. and I just tell him leave me alone please
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (MN)

Bought bed and adjustable platform ( frame ) the bed started to sag right away called XXXX number and they came out and replaced it, that one started to sag right away and the platform was not working properly called and told them this deal was not going to work for nothing was good or working right. They came out took bed but never took platform, platform started to smoke XXXX days later, I unplugged it and put it in garage. 
When platform was first acting up I called sleep number and told them about bed and platform, they tried to tell me there was no warranty on platform, I said there has to be some kind for it is electric and has motors in it Instead of taking care of the problem they turned my bill over to collections and ruined my XXXX XXXX
Consumer complaint received 2015-10-12
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (SC)

Have amex bluebird prepaid card. I purchased new service a few weeks back never recieved serviced and suppose tonbe refunded back the amount XXXX two weeks ago and still no refund. Did a dispute over a week ago. Still giving me the runaround
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I had an unrecognized Hard Inquiry Done by " Bank of America '' according to " XXXX '' credit reports. I discovered this on XX/XX/XXXX as my XXXX  credit score went down by XXXX points which was reported to me from my current bank " XXXX XXXX '' I have not applied for any loans, Credit cards, or any other service from " bank of America '' or any other institution, business, etc. that requires a credit check sense the date of XX/XX/XXXX, as that was the date of my last credit card application.I believe this Hard inquiry to be fraudulent. I have already informed " XXXX XXXX XXXX Fraud department, which in addition has discovered other inaccurate information that has been corrected. As well as posted a Fraud alert. It was recommended to file a complaint with the CFPB by " XXXX ''. I have not been able to contact a live person/ Fraud department representing " Bank of America XXXX at the time of this writing to ask/inform them of the situation.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

ON XX/XX/2020, I NOTICE 5 COLLECTIONS FROM HMC GROUP ON MY CREDIT REPORT AND SENT THEM 5 LETTERS CERTIFED WITH RETURN RECEIPT DISPUTING THE ALLEGED DEBTS OF :  XXXX,XXXX,XXXX,XXXX, AND XXXX THAT I DO NOT OWE.I HAVE ATTACHED COPIES OF THE LETTERS BELOW IN YOUR ASSISTANCE IN THIS MATTER.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I took out a loan with XXXX XXXX paid it off on time however XXXXXXXX and XXXX XXXX they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against XXXX XXXX for failing to protect my consumer rights Also Equifax have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

The Collection Department of my Care Credit Account, issued by Synchrony Bank, contacted me in the afternoon on XXXX XXXX, 2017. They called inorder to inform me of a deliquent pass due amount of {$20.00}, that was carried over from XXXX, was being combined along with a {$38.00} late fee ; as well as, an interest charge of XXXX. I received a few weeks ago, an invoice for the month of XXXX that was dated XXXX XXXX, 2017. On that invoice there was an itemized breakdown of all charges and fees that had accumulated durring the previous billing cycle, as well as, a total minimum payment of {$100.00} due on XXXX XXXX, 2017. However, when adding the late fee of {$38.00}, the interest charge of XXXX, and the carried over {$20.00} balance from the previous month, the total amount only came to {$86.00}. I inquired about the remaining {$13.00}, but the manager on duty was unable to identify the justification for the {$13.00} difference. Furthermore, my copy of the XXXX XXXX, 2017 invoice excluded the appropriation of the {$13.00} remaining difference. I would like to have the {$13.00} charge removed from my {$100.00} minimum payment due on XXXX XXXX, 2017 ... Thank You for your Assistance.
Consumer complaint received 2022-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

I informed you of a conversation between XXXX XXXX and me on XX/XX/XXXX where XXXX XXXX informed me that the only way I was to obtain copies of communication logs for the account was going to be through court. I communicated my concerns over XXXX advice to her manager, XXXX XXXX on XX/XX/XXXX. 

XXXX informed me he was unaware of the correct answer and would get back to me. When pressed to give his best guess based on his experience, XXXX stated the statement was most likely false.
Consumer complaint received 2019-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (CA)

XXXX XXXX acquired my loan in XXXX and in XXXX I was notified on XXXX XXXX of a new servicing agent, CMC Funding/XXXX XXXX XXXX. Additional letters from CMS/XXXX showed inaccurate accounting information showing that I owe for XXXX and XX/XX/2019. I called CMC/XXXX on XX/XX/XXXX and informed them that I previously made payment to the previous servicer, XXXX. Since XX/XX/XXXX, I have called every week and mailed on XX/XX/XXXX and XXXX CMC/XXXX a certified letter which they received on XX/XX/XXXX and XX/XX/XXXX. I also emailed them proof of payment from a statement downloaded from my previous servicer, XXXX. I was recently mailed a letter of intent to foreclose and continue getting calls from CMC to collect payment. This is very frustrating since I have always made my payment on time including a XXXX payment which I made to CMC/XXXX and they have withdrawn from my account on XXXX XXXX.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, 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
Consumer complaint received 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, 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
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2023-04-18
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. (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated and removed from my credit report!
Consumer complaint received 2021-12-17
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. (CA)

FTC Report # XXXX is a complaint i filed and reported XX/XX/21, about unauthorized use of my credit card/social security card and number. I recently discovered after that on my Experian credit report alone there are more than over XXXX soft unauthorized inquires. I did not authorize these inquiries to be taken out in my name, nor or they related to anything I've did.
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GRANITE STATE MANAGEMENT & RESOURCES (NC)

I took out {$39000.00} of Perkins Loans in XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX School to get a XXXX XXXX with a XXXX Certification and a XXXX XXXX XXXX Certification. At no time did my school financial aid office or my lender inform me that I would qualify for the Public Service Loan Forgiveness ( PSLF ) program that went into law in XX/XX/XXXX. I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During my exit interview with the school 's financial aid department, I was advised to consolidate into Stafford and PLUS loans and defer my loans until I started XXXX in XX/XX/XXXX, but was not advised on the proper type of consolidation that would allow me to benefit from PSLF, even though I was attending a program to prepare me to XXXX in the exact schools the PSFL was designed to serve. My current loans are now near {$70000.00}. My loans were serviced by Granite State/XXXX. At no time during the original consolidation was I informed that I qualified for the PSLF program. Shortly after my first year of XXXX, I had difficulty making my full loan payments. Granite State/XXXX advised that I put my loans into the Income Sensitive Repayment Option in order to make payments that covered accrued interest and no principal. Again, I was not informed that PSLF was an option, even though I had to report my occupation and type of employer for the ISRO. I taught for XX/XX/XXXX full school year, ( making 12 payments that would have qualified for PSLF ) then needed to take a medical leave for XX/XX/XXXX taking a medical deferment for 9 months. I taught the XX/XX/XXXX school year. Again, I was not able to make my full Stafford Loan payments. This time Granite State/ XXXX advised me to put my loans into the Federal Family Education Loan Program ( FFELP ) making 12 payments that should have qualified for PSLF.. Again, I was not advised that I was a candidate for PSLF. I was not able to XXXX for the XX/XX/XXXX school year, but did make FFELP payments to cover interest rather than return to medical deferment. I have now XXXX 5 consecutive years for XXXX XXXX XXXX XXXX in various positions that have all qualified for PSLF. I found out about the Public Service loan Forgiveness program from a coworker ( Who had graduated when I did and had made 7 years of qualifying payments toward the 10 year program ) I attempted to apply for PSLF in XX/XX/XXXX. My application was denied because my loans were not consolidated into the FEDLoans program correctly. My consolidation was not properly recognized until XX/XX/XXXX. Because my school and lender did not inform me of the PSLF and because of the delay in Granite State/XXXX properly consolidating my loans, I currently have 16 qualifying payments out of the 120 qualifying payments needed to complete the PSLF program. Had I been properly advised, I calculate that I could have made 84 qualifying payments by now.