davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (FL)

On or about XX/XX/2020, I applied for an Amazon store card at Synchrony Bank. I was told by Amazon that I needed to do this to qualify for the {$100.00} store card as a promotion related to purchasing a new cell phone. There was no response and I made many telephone calls many of which were " dead-ends ), having to process through a menu. The menus always asked for an account number which, of course, I did not yet have. I finally reached someone who was no help ( he also asked for the non-existent account number. I realized that they may be having a problem assessing my ( perfect ) credit since I had frozen my credit bureau accounts. I immediately unfroze the account and still could get nowhere with the bank menu, or agents. They told me a different department would let me know the results of my application. I never heard from anyone. I re-applied and unfroze my account again. Again, no one would confirm why I was not approved. This remains the state of affairs. I will unfreeze again if they just advise me that they will review my credit and approve ( or reject ) my credit. I have never been turned down for credit! Amazon was totally of no help here, as well.
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I purchased a new phone, therefore I don't have the exact dates. I am receiving between 3 and 5 phone calls PER DAY, sometimes at unreasonable hours. I have tried talking to the company directly and they are usually very rude or just hang up on me.
Consumer complaint received 2023-01-24
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. (TX)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

During the time that this recent XXXX XXXX account was established, my wife and I, along with our XXXX children were living in a rental home. We were paying our honest debts on time until I was laid off my job of 15 years. My wife, a XXXX XXXX Veteran, worked but it was still not enough to keep us from hitting hard times. In XX/XX/XXXX, we moved in with relatives to pay off bills we had fallen behind on and to save in preparation purchasing our own home. During the move, I had the power turned off in XX/XX/XXXX but in the midst of life, I forgot there was going to be a remaining balance. Since returning to the workforce, I have made every effort to pay off my debts and rebuild my credit worthiness in order purchase and close on our home. Then in late XX/XX/XXXX, my lender discovered that I mistakenly had not paid off one of the XXXX XXXX account that was placed in collections with Helvey & Associates , INC. Once I heard this, I made it my priority to pay this debt off as I did to the older debt in XX/XX/XXXX. I spoke with a male customer service representative on XX/XX/XXXX and stated that I needed to pay this debt and have it removed from my credit reports. He then stated that a removal could be negotiated with the full payment. I then explained to him I would be able to pay it on XX/XX/XXXX, he then stated that I needed to call back and discuss my credit needs once the payment is received. I did not write his name down ; I should have kept better records regarding this account. 
Nevertheless, I know the payment with XXXX XXXX was my responsibility and I am not attempting to justify this breach of my customer agreement with them ; I am simply asking Helvely & Associates , INC. for a courtesy gesture of grace and goodwill in having the credit bureaus remove the negative trade line associated with account and or the old account from XX/XX/XXXX from my three credit reports. We are still living with relatives and need our own home but this company has been a hindrance in moving forward after they stated they would have remove the debt once paid.
Consumer complaint received 2023-01-24
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. (TX)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX closed my secured credit card without my permission. They then took my secured downpayment to that card and inserted that to my last payment. They also put late payments on my credit reports that were not late. I called them and told them there were fraudulent activities on this card and gave them the items that they needed to remove and update they did take some off but left a whole bunch that could of covered what I owed and my card would of still been open. I called them in XX/XX/2023 to tell them about these fraudulent transactions then I just had to call them again in XXXX XXXX to tell them that they forgot items that I listed that needed to be removed. I want my deposit back that they took from me I want my card turned back on and also I want them late payments removed. They violated 15 USC 1681 s-2 and when I told they said they was going to fix this problem and will take weeks to happen. While all of this is happening o cant go get me a new car because of these late payments on my credit report that is hindering my credit score and credit worthiness to other companies.
Consumer complaint received 2021-01-13
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: JPMORGAN CHASE & CO. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-01-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MN)

My husband and I purchased our home in XX/XX/XXXX where the financing we were offered was a first mortgage at 80 % and a second mortgage at 20 % thru XXXX XXXX XXXX  XXXX where those terms were set forth with an adjustable rate on both mortgages. The second mortgage we believe was assigned to a new servicer around XX/XX/XXXX however, we did not receive any new payment information and/or documentation related to a new servicer and our payments were never auto-deducted as previously setup. XXXX rolls around and we run into some financial difficulties where we applied for a mortgage modification thru our first mortgage servicer and believe somehow they wrapped that second mortgage into the modification thru XXXX XXXX XXXX but we did not and have not receive any documents related to that modification. We have made attempts to obtain a copy of all the documents related to the modification and both mortgages in general. Without hiring Counsel at this point we are trying to decipher how our first mortgage which had an original balance of {$86000.00} is now showing an outstanding principal balance of {$140000.00} and our second mortgage which had an original balance of {$21000.00} is now showing an outstanding principal balance of {$47000.00} and the amount listed on the Notice of Mortgage Foreclosure Sale is showing claimed amount due of {$61000.00}. The Sheriff 's Sale took place XX/XX/XXXX but we have now received a letter from Specialized Loan Servicing that the second mortgage has been assigned to XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX Management does not have a website and I believe this is another step SLS is taking to further prohibit us from obtaining documentation related to the mortgage as we seek resolution.
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-03-10
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. (GA)

On XX/XX/XXXX I submitted a written request for a full-file disclosure pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Experian. I received a document titled " Your Credit Report '' dated XX/XX/XXXX. 

It contained three names, an address, a year of birth, and the last four digits of a SSN. I disputed the SSN and one of the names as not mine in writing on XX/XX/XXXX. 

On XX/XX/XXXX I received a document titled " Dispute Results '' stating that an updated copy of my credit report was enclosed ( there wasn't one ) and that the disputed name and SSN were not deleted. 

Experian is choosing to keep inaccurate information about me in its files. Isn't this a violation of the law?
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Phoenix Financial Services LLC ()

I live in XXXX XXXX, the calls come in in the middle of the night. 
I have told them as such and they hang up. This is a recent, since XXXX. 

These calls from Phoenix financial XXXX, XXXX Maryland XXXX XXXX XXXX, Maryland, XXXX, XXXX Maryland, XXXX XXXX, Maryland, XXXX XXXX  XXXX, Maryland, on caller Id . will hang up once I try to handle their problem. 

I ask pointed questions about the false claim to collect some mystery debt and then they hang up on the phone, when I try to investigate where this alleged debt comes from. which leave me powerless to clear this mystery debt up. 

So I have no idea what unsustained debt they claim to be collecting on. Furthermore I have not lived on the East Coast of the USA for 6 years. I have lived a debt free life since XXXX. I have been a XXXX XXXX XXXX, and the last two residences I have owned and lived in for 25 years has been mortgage free : paid cash in-full. I pay cash for my homes and vehicle since XXXX. I pay my credit card balance off every month since XXXX. I carried a balance and paid interest on my credit cards from XXXX to XXXX to finance, while working and attending XXXX XXXX, to pay for my wedding. 

What ever the alleged debt is I am not being proved with information too dispense of it. I get theses calls to collect, and not manage. From where I sit, I am not being provided with any information on the claims to address and rectify. Phoenix Financial only has an interest in collecting a mystery debt. 

These calls started to come into my phone XXXX. AS I have previously stated I have not live in XXXX Maryland for 6 years+ years, specifically I departed XXXX Maryland XX/XX/XXXX, and only kept a non resident presence in XXXX Maryland unto XX/XX/XXXX. I also have been living in XXXX, XXXX XXXX, XXXX for 3 years. 

Thank You. 
XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IA)

On XX/XX/XXXX we traded two vehicles and initiated a new loan on a current model. We froze our credit with experian in XXXX because a relative was being suspicious about our social security numbers. 
In order to the new loan we attempted to unlock or experian accounts but on each of the phone calls we are hanged up on or the line goes unattended for as much as one half hour in the middle of a conversation before the line disconnects. 
We do not have phone issues in any other conversation or call we feel this is either intentional and requires addressing immediately.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I engaged with my current loan servicer for a refinance because I was led to believe that I would be able to skip two mortgage payments. I did everything that was asked of me, and a closing date was set ( XX/XX/XXXX ). The day after signing all the documentation at closing, I was told that the loan would not actually close until a week later ( XX/XX/XXXX ), thus making me late for my current mortgage ( XXXX XX/XX/XXXX ). This puts me in the position of paying a three thousand-plus dollar mortgage payment or having a late payment go against my credit report ( plus fee ). I was misled and it feels like I am now being held hostage. 

I asked via email a number of times to ensure that I would not be late on this payment, and every time they said " if we close before the payment is due, you should be fine. '' And only after I signed the closing docs did I find out that the closing date was a week later than I was told it was.
Consumer complaint received 2023-02-15
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. and It is not permissible to fail to validate these reporting accounts as unverified information. please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXXXXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-02-06
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have called Capital One several times since XX/XX/XXXX. I have experienced hardships over the past few years. First, my mom passed away. Then, my dad lost our family home. I also was forced to move abruptly at the beginning of the pandemic, and that caused my monthly expenses to rise significantly. I reached out to Capital One initially to reduce my interest rate because I knew I was going to have a difficult time making the payments. I was told back then that nothing could be done to help me. Later, on XX/XX/XXXX, I called in to inquire about reducing my monthly payments and getting on a plan to pay off the money that I owe. I spoke with four different representatives and all of the calls disconnected or were dropped. I also spoke with two other credit card companies on that same day was able to get on a 5-year payment plan, and I have been doing well. However, Capital One refuses to lower my interest rate or lower my monthly payments. On XX/XX/XXXX, I again called Capital One. I spoke with XXXX and XXXX who said they were collection representatives. XXXX serves as the collections manager. She went through the questions and said the system would not provide any plans to reduce my monthly payments or interest rates. XXXX stated that she did not know the criteria the system used to determine my eligibility with the programs they offer other bank customers. I want to reiterate that two other credit card companies have worked with me in the last few months, and Capital One is not working with me.
Consumer complaint received 2023-01-24
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. (OK)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 *XXXX XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instruction 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.