davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

I have been an account holder with XXXX XXXX 's credit card services for more than 11 years and have never made a late payment on this account. On XXXX XXXX, XXXX, there was a payment due on this account in the amount of {$14.00}. At that time, I did not realize that there was a balance owed on this account as I had previously been carrying a credit on this account in the amount of {$61.00} since I had overpaid the account during a previous billing cycle. I paid the {$14.00} balance which had increased to {$16.00} after fees had been accessed on XXXX XXXX, XXXX. On the day, I made this payment, I realized that the payment had exceeded a 30 day period and I was concerned that a late payment would be reported on my credit report, so I contacted a representative ( recorded conversation ) to confirm whether my payment would be reported as late. During this conversation, I was informed that I would not receive a late payment report on my credit report because they do not report a late payment until the account is 60 days past due. Unfortunately, when I checked my credit report, it is reporting late with all three credit bureaus XXXX XXXX, XXXX and XXXX XXXX in XXXX XXXX and my credit limit was reduced from {$4000.00} to now only {$100.00}. I contacted the XXXX department with XXXX XXXX 's credit services today, XXXX XXXX, to see if they would put in a request to remove this late payment reporting on my credit since I was previously told on XXXX XXXX, XXXX by the representative that I would not receive a late payment report since my account was not 60 days past due and as a courtesy since I have held this account for over 11 years since XXXX and HAVE NEVER BEEN LATE, and unfortunately, I am unable to get any resolution. Not only have I ever paid this account late, I have also never been late on any of my other credit accounts and this account and all of my accounts are current. I am frustrated because this late reporting on my credit profile has damaged my credit profile and has caused a decrease in my credit scores by over XXXX points. I am only requesting that they consider that I have been a long time account holder and have never paid this account late and make an exception to correct this late reporting on my credit report. Thanks so uch
Consumer complaint received 2019-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (UT)

I received an offer in the mail to open a Key Bank checking account and make ONE single deposit of {$500.00} or more. I used the offer code XXXX and reservation numbner XXXX. They also provided a special link, which was : XXXX. I used this link instead of their regular website. 



I opened the Key Bank checking account on on XX/XX/19. We made a deposit of {$500.00} on XX/XX/19. We have also made more {$500.00} direct deposits. The terms were : You must open a Key Express Checking Account ( this is the basic banking account in NY ) Key Advantage Checking Account, Key Privilege, or Key Privilege Checking Account by the expiration date and make ONE single KeyBank deposit of {$500.00} or more within 60 days after account opening to get {$400.00}. The value of your gift will be reported on Form 1099 and deposited into your account within 90 days of meeting the requirement. 

We follow all the terms, but we did not receive our {$400.00}. We had to jump through hoops after the account was opened, such as : going to the bank with to prove our identity with IDs, we are not on the OFAC list see treasury.gov ( we waited at the bank over 1.5 to just shave them review our id ), we got a letter in the mail that said if we don't sign this signature card in 15 business days we will close your account. 

In addition, after all of this I waited for the money to be deposited in the account. This never happened. I sent an email to Key Bank, and I was advised to call the call center, because they said I did not put the offer code and reservation number in. I disputed this through email, and I was advised again to call the call center, I spoke to a rep there and they said I do not know why they told you to call us. 

There was nothing she could do. I asked to speak to a supervisor, and explained the situation. I advised I did put the code and reservation number in. She asked me for the codes, and she confirmed they were legit. She confirmed I followed the terms, but there was a disagreement on whether I put the codes in, I asked her if there could be a situation where systems don't work properly, and it is possible when I put the codes in the system the system did not take them. She said yes, yet she advised, I could not get the offer. I asked has anyone got the offer after the fact? She said she could not confirm or deny. I asked why not? She said the is specific information about someones account. I disagreed at this was more general. 

I asked is there any one else I could speak to help me get the offer. The supervisor said, no and something to effect this is high as this is going to go. 

I do not know if other customers have experience this, but this should be looked into. I opened this account as a trail run to see if I would bring my business over, but I am really disappointed in Key Bank. I would really like them to credit my account with the {$400.00}.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc (CA)

XXXX XXXX from East Point Recovery Group , INC. reached out to my father on XX/XX/2024 discussing my debts with him which resulted in my father paying {$2000.00} to XXXX XXXX. I called XXXX on XX/XX/2024 to discuss this and he was fully aware that what he did was against the law and his response was simply " What do you want me to do about it? Say sorry? '' XXXX knew that going to a father with something as serious as debt would elicit fear in him and of course would have him pay, which is probably what he's done with a lot of other people, people who aren't aware for the FTC laws.
Consumer complaint received 2022-06-04
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. (TX)

In XXXX of 2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX since then and before then I haven't missed one payment I would like the late payment be removed on both accounts.

15 U.S.C 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 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (OH)

XXXX refuses to delete this account from my report, after they told me they will remove, once the account is paid in full., since the account was charged off/closes. I paid the account in full, so now they are saying they will leave the account on my report for seven years. that was not our agreement. My XXXX XXXX XXXXXXXX account is paid in full and closed, so please remove it from my report. Also, i have my XXXX XXXX XXXX XXXX account with XXXX, that was charges off/ closed, that i am currently making monthly payments on to XXXX, and I was told the same agreement once that account is paid in full, which I believe will be XXXX 2018.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I recently pulled my XXXX credit report along with My EQUIFAX report at the same time an notice wrong names listed within my credit profile. These names are inaccurate an should be removed immediately. 

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 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (OR)

On XX/XX/22 I noticed that my old student loan servicer ( EdFinanical ) and my new student loan servicer ( XXXX ) are both appearing on my credit report. This makes it appear as if I owe double the amount of debt. I owe {$21000.00} in federal student loans and they are appearing twice on my credit report, making it appear as if I owe {$42000.00}. It is impacting my credit score and I was hoping to apply for a mortgage soon. I was informed the switch to a new servicer was taking place in XXXX, EdFinancial stopped reporting anything after XXXX. I was told XXXX would be taking the loans over from EdFinancial, but XXXX now has them. 

I contacted the two credit bureaus that show both. XXXX has adjusted the historical data of my loans at EdFinancial, but the record is still in my report. I am awaiting a response from XXXX. XXXX is only showing the EdFinancial loans. 

I contacted EdFinancial and I am awaiting a response. 

This is a serious issue as the reports show my credit score has gone down by XXXX points during this transfer of loans to a different servicer. Those XXXX points are literally the difference between a " good '' credit rating and an " excellent '' credit rating for me. If this is not corrected, I will not be able to get the best interest rates on a mortgage that I deserve.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

my home was last transferred to Bayview. the last company was XXXX, and was in the process a loan mod. i sent them my documents and they still transferred my loan. i lost my job, business, and had nervous break down. i am now trying to work on a loan mod to save my home. i am better and have means of paying an affordable payment with the rightful for party
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (IL)

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. 
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 : {$5900.00} 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 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 2022-12-18
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: Experian Information Solutions Inc. (WI)

Reports violates my rights to financial privacy under 12 U.S.C.CHAPTER 35 XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX XXXX XXXXXXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXXXXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXX XXXX XXXX XXXX # XXXX charge off XXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XX/XX/2022.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The company denied my request to remove the two credit accounts opened fraudulently from my report, because they claim both accounts were linked to one of my home addresses and phone number. Which is true, but I had no idea of these accounts being opened. My personal information was used on my behalf. Any phone conversations were also made on my behalf without me knowing, using my personal information, which can be found through the searching of public records. I have no knowledge of speaking with capital one verbally at any point since the account has been opened. The company agreed to close the accounts, but still would not remove the alleged debt for these reasons. I repeat, I had no knowledge of these accounts being opened and any recorded conversations with capital one wasn't me, but instead someone speaking on my behalf. Capital one agreed to close the accounts. I don't understand why they won't remove them from my report as well ( it is negatively affecting my score ).
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

HRG calls me every single day for someone named XXXX XXXX. I do not know this person and I have informed them of this and they continue to call and leave robocall voicemails every single day at XXXX.
Consumer complaint received 2017-06-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

In XXXX, we my husband and myself took out a loan with XXXX. Not realizing I should have educated ourselves a little better on School loans. My daughter is also on as a co-signer, later on approx.XX/XX/XXXX, I asked about removing our daughters name as a co-signer. XXXX instructs us to follow the rules and regulations for this to happen. I had to become current, since we did have some late payments, deferments, etc. It took us a while to maintain current payments at that time because we were also in one of those upside loans on our mortgage. After doing a short sale on the house and giving it back to the bank, things were becoming worse with my health. we decided to move out of the area to a smaller less expensive town so things would be more affordable. I always kept in contact with XXXX, finally maintained on time payments for 24 month as we agreed upon in order to release my daughter as a co-signer, then re-negotiate the loan. In the middle of this process, XXXX sends us a letter stating they are having a name change to Navient. My health is deteriorating and becoming worse, so I am no longer working. Navient has a new set of rules and tells me we do not qualify for release of a co-signer, my husband is retired and taking care of me, also maintains a part-time job with one of the XXXX XXXX XXXX So for the last two to three years we have been calling them, trying to negotiate new terms, and they are refusing. We are paying them on a regular basis, with our daughters help sometimes because of medical bills. They are telling us we have no benefits, wont even look at lowering the interest rate since our credit scores are better now then they have been. We are at 10 % variable and currently has just gone up another {$10.00}, which might not sound like much but it does make a difference when your payment is already over {$330.00}. Only {$40.00} is going to principal, at this rate we will be paying this forever! We need help, I 've checked into personal loans but now they are over 12 %, which would give us an even larger payment per month. I have asked to speak with managers, they refused, I have asked to write a letter to the lender, they say cant tell me who that is, I do n't know what else to do.? We do n't deny we owe them, we are just looking for a little breathing room. Everyone else regarding our creditors have been so accommodating, IRS, State treasury, Hospitals, even a second student loan has dropped the payment amount. I do n't understand why they wont work with us. What else can we do as consumers?
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: POPULAR BANK ()

I am writing on behalf of my father  XXXX   XXXX , who is happily retired and resides in the  XXXX   XXXX   (   XXXX  ). He attempted to use his ATM card at an ATM machine in the  XXXX   XXXX  as he has done so for the last twelve years, since retiring to the  XXXX   and  the machine did not return his card. He was advised by bank personnel, that he should contact his ban k ( Banco Popular ) in    XXXX   XXXX  , where he opened the account, so they can send him a new one. Issue  # 1  :  Banco Popular d oes not have an  XXXX  number accesible from the  XXXX   XXXX , which made it almost impossible fo rhim to contact the bank. He had to call me in the  US (   XXXX   XXXX   ) an d have me conference in  Banco Popular who g ave him the run around, before hanging up on him several times, because they were frustrated that he ( at  XXXX   years old  and with an education level of   XXXX   XXXX  , was unable to answer the questions they were asking him. When we finally got through to a representative who was willing to assist him, she ordered the new card for him, but told him she was unable to send to his address  in  XXXX  and  he would have to travel to  XXXX  to pick-up ... He asked if he could change his mailing address to his sister 's house, so she would be able to send via   XXXX   upon receipt. The rep advised him that she would have to transfer him again to the queue, so they can assist him. He was on the phone for over an hour and the issue was not resolved. I called last week and explained the situation to a rep and she advise d me ( hi s son ) that a manager would call him back ... it is  now one w eek later, no call back, so he called again this morning and verified all his personal/pertinent information, but because he was unable to answer questions pertaining to a  XXXX   XXXX  and "  XXXX  '', they told him he was unable to update the address. When he asked who is  XXXX  and  XXXX , he was advised that the ban k security system u ses random questions, about individuals tha t may or may n ot be associated with him .... Issue  # 2 ... this totally confused him, he verified name, SSN, DOB, Address in  XXXX , amoun t being deposited into his account and they were unable to address his concern. They told him he would have to travel to  XXXX  to speak to a rep at the branch .... this is a  XXXX   year old  retired man, who lives on a fixed income and depends on these funds for his survival ... he is unable to afford a plane ticket to th e US, jus t to speak to someone in person and the next time he is scheduled to visit, is when he has a doctor 's appointment in   XXXX / XXXX . There  should be an easier way for retired individuals, who spend their whole life working in th e US and saving their small paychecks to be able to retire in peace, to be able to communicat e and resolve simple administrative issues with their financial institutions.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My correct date of birth is not reporting on my credit report. 

XXXX Incorrect addresses are reporting on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX