davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Please see attached documents that contains all XXXX account in the PDF. 

I received a 1099-C ( cancellation of debt ) notice for the following account : Amazon.com Store Card Account Number Ending in XXXX JCPenney Credit Card Account Number Ending in XXXX Sam 's Club Personal Credit Account Number Ending in XXXX These accounts were charged off as of XX/XX/XXXX. I reported these accounts under a 1099-C on my XX/XX/XXXXTax Returns as Paid in Full. 

I sent a copy of all documentation to the credit bureaus to update the accountsas paid in full. By me sending the form 1099-C they negatively impacted my credit score 80 points and restarted collection efforts on an attempt to collect a debt on these three old credit card accounts that were charged off in XX/XX/XXXX" NOT XX/XX/XXXX'' The information was sent to have it remove the balance to zero from all credit reports not to restart collection attempts.

Synchrony Bank is reporting to the Credit Burues that I still owe the debt in full!! 

I have attached documentation that SHOWS SYNCHRONY BANK ATTEMPTING TO COLLECT A DEBT that is not owed!! 

I want these accounts to be removed from all 3 credit reports ASAP and to reflect the balance as XXXX balance. 

I will be contacting my States Attorney General to look into this matter and will be filling a lawsuit against you for collecting on debt not owed to you. 

I have reached out to you several times via email and have left several messages via phone. 

Till this day I have yet to receive a phone from YOU. 

I can be reached at XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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. 
Check the attachments below.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (PA)

I have been contacted incessantly and at all hours by various representatives of "  SW Credit Systems LP.   '' They claim I owe {$260.00} to  XXXX  from  XX/XX/XXXX  and on   XXXX   listed this is my  XXXX  credit file. I do NOT owe "  SW Credit Systems,  LP '' ANY balance whatsoever nor anyone they claim to represent, including  XXXX .
Consumer complaint received 2021-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (CT)

I applied, and was approved for an installment loan with Pentagon FCU. I have been paying down on the note for probably more than a year now. In XXXX of 2021, my employer announced potential future layoffs as the result of a bank merger. I work for a bank. I contacted Pentagon FCU and attempted to enroll the installment loan in their debt protection program. Due to a glitch in their online system, however, I was unable to retrieve the documents that I needed to sign. Rather than address the glitch, Pentagon told me that in order to properly add on the protection, they would need to " rebuild '' the loan. I went with it as I really wanted the protection. About a month later, I checked the loan details online. They raised the rate from the initial 8.49 % fixed to 12.99 %. When I contacted the company, they acknowledged the error and changed the rate back to match the terms of the original loan agreement. 
Since then, I have received a total of three requests to sign an official promissory note for their records. The issue with the promissory note is that it contains invalid information - the rate is 12.99 % rather than the original rate. And the monthly payment is therefore also incorrect. When I contacted them ( several times ) to dispute this, their resolution was to send an addendum letter, signed by a loan operations representative along with yet another promissory note for ME to sign containing the same invalid rate, payment and other calculated terms. XX/XX/XXXX, I contacted Penfed again and was told that they requested a corrected promissory note for me to sign but the request was " denied ''. I was also told that if I did not sign the invalid promissory note that they have continued to send me, they would probably raise the interest rate on the loan. 

I refuse to sign a legal document that is not correct and I hope someone at this agency will agree with me. Please address this issue with Pentagon Federal Credit Union. If the promissory note is something that they can not reproduce from the system, I would suggest that they create one manually with the correct information on it and I would be happy to sign it. Something is very wrong with this institution. I have been in banking 20 years and have never seen anything like this.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown 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 disputes.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Applied for dispute with company at beginning of XX/XX/XXXX. My report says capital one card XXXX dollars never had a card in XXXX especially with a XXXX and something score.Other then my two new cards I have now haven't had a card since I was XXXX and I'm XXXX yrs old now. I tried to dispute through credit journey at beginning of XXXX like I said through one of my new cards application.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Consumer complaint received 2021-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good afternoon, Dear Credit Bureau Government Agent. How are you? I 'm sorry to bother you with my complaint. I was checking my credit report and saw couple of XXXX Inquiries that I never applied to, or even used their service. This is my second complaint about a different hard inquiry that I saw my credit report. I 'm just a student, and i never applied to this company. It 's called " XXXX Credit Card Cos. XXXX I wrote to them to remove the hard inquiry and asked, how and why they have my information. They would n't respond to me at all. Please help me to get this hard Inquiry removed. Fair solution is to remove this from my credit report. Since i havent ever used their service, nor did I try to apply for it! It 's improper use of my information. How could they use my information? Is n't illegal to use someone 's information without their knowledge? Thank you for listening to me and have a pleasant day dear Government Agent. Thank you.
Consumer complaint received 2021-07-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IL)

We refinanced our VA loan with Quicken Mortgage XXXX XX/XX/XXXX. XXXX XX/XX/XXXX we received an Escrow Analysis Statement the stated we short {$4400.00} on our Escrow account. This to be made up in extra payments of {$360.00} for 12 months ( or paid in full immediately ). This increase is against a mortgage payment of {$1600.00} monthly. Not quite a 25 % increase. 

I called an talked to a XXXX on XXXX XX/XX/XXXX. His response was not their fault it was RESPA. So I sent an email to Quicken Loans Customer Service on XXXX XXXX. They responded that day that someone would look at it and get back to me within 1-2 business days. 

Today, XXXX XXXX, I received an email from Quicken Customer service asking how my dealings with a Ms. XXXX were. I responded no idea because I hadn't been contacted my her. 

Shortly after I received an email from Ms. XXXX that also contained an email supposedly sent to me on XXXX XXXX that I never saw. 

Her response was yes they made a mistake on figuring our escrow account.. No apology or anything else. When I responded she said maybe they could change the shortage payments to over 24 months. 

That isn't the point. The point is this was a refinance on a house we bought in XXXX and there have been multiple tax and house insurance payments made. They knew what our previous tax and insurance payments were, they were given copies. Our escrow portion of our monthly payment was pretty much identical to our previous loan so I didn't think anything about that. And when our monthly escrow went up about {$30.00} to cover the increases in those, fine. But I find it almost criminal that less than 6 months after getting our loan we have to pay an extra {$4400.00} over 12 months because somebody on their staff made a mistake. Nothing has been said about what is being done to them, and we know this isn't hurting

Quicken. And the only apology was for the inconvenience. If they had done their jobs correctly, we wouldn't be inconvenienced by having to pay an extra {$4400.00} six months after the loan was closed.
This money should have been covered during closing and yes we would have paid it. But we relied on them to tell us what needed to be taken care of then, and they failed.
Consumer complaint received 2024-01-30
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

Trying to make a basic monthly payment with MyLoanCare.com. Loan paperwork has not been completed to where I can make my payment online and when trying to call the 800 number I have literally sat on hold for over an hour. I can not continue to do this. Absolutely pathetic and ridiculous.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

TOTALLY unacceptable. They did not get that I am the ping pong ball between them and XXXX. XXXX tells me its Goldman and Goldman says its XXXX one knows or wants to address this issue! Seriously, they are tell me to back into the rabbit hole that initiated this complaint. Their response is as simple as calling their customer service. Seriously these are supposed to be educated people and that was the best they could do??????? oh, lets me look up the account.hmmmm, I dont see XXXX XXXX name on the account,,, ,were good???????? Ridiculous. I will not relent until I get an intelligent explanation. Goldman Sacks and XXXX have a partnership in this matter and I need one smart person from either mega institutions to figure it out. 

1st Complaint ID- XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

<FORMER ADDRESS> XXXX XXXX XXXX XXXX, # XXXX. XXXX AZ. XXXX XX/XX/18 I have never in my entire 61 years lived in AZ. 
I have lived in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX but never ever AZ.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

Mountain run solution has added a collection that has never belonged to me. I did not open an account with XXXX  I have called them.to confirm. But nothing. I have disputed through mountain run, and they have failed to confirm. The charges or validate it. The amount alleged owed is {$400.00} which I do not owe. I've kindly asked them.to remove it but none to avail. I'm making this complaint because I need help.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted 6 rounds of disputes for inaccuracies on experian, XXXX  and XXXX. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.
Consumer complaint received 2021-06-23
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. (TX)

I contacted XXXX  regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

To whom it may concern, On XX/XX/XXXX an electronic payment was made to Nationstar Mortgage ( aka Mr. Cooper ) from XXXX XXXX via Bill Payer. This payment was accidently made to a paid off mortgage ( loan number XXXX ) via a Bill Payer app. The loan was fully paid off in XXXX of 2020 however the electronic payment method was still available in my banking Bill Payer app which is how the mistake was made. 

Since that errant payment was made to Mr. Cooper several attempts have been made to return the funds back to my XXXX checking account working with the Research Department at Mr. Cooper. The first case with Mr. Cooper was opened on XX/XX/XXXX ( case # XXXX ). In working with Mr. Cooper I was asked to provide proof of payment and a 30 day transaction log with XXXX letterhead from my checking account. All of this was provided to Mr. Cooper promptly. In addition a case was opened with XXXX ( via Bill Payer ) to verify the payment was successfully transferred from XXXX account via Bill Payer ( Bill Payer Case number is XXXX ). During a 3-way call with Mr. Cooper and Bill Payer, the proof of the transaction including transaction numbers and partial account number which matched my account was provided to Mr. Cooper. Yet, Mr. Cooper stated they have no record of the transaction even though proof of a successful transaction was provided. In fact, proof of the successful transaction was provided about 4 times on multiple calls. At this time there is still no resolution to return the funds ( {$1700.00} ) to my account. 

Representatives I worked with at Mr. Cooper were : XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX In summary there is no resolution. Mr. Cooper has not provided any proof that the payment was returned back into my account only that they said they did not receive it. However the {$1700.00} was deducted from my account and proof that the transaction as stated earlier was successfully received. 

Please assist with getting this resolved as it is a very impactful amount of money to our family. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Synerprise consulting XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have been trying to get XXXX  snd experian to delete an alleged debt placed on my credit report from XXXX  XXXX XXXX for months. I have filed an ftc report and wrote letters. Now the account is reporting open on XXXX  and remains on Experian. This is inaccurate and misleading with is a violation of my consumer rights