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

I obtained a credit card via XXXX a card with synchrony bank and XXXX & XXXX XXXX. 
I had used my card with no issues, until the other day. 

I went to purchase more items per my phone call with synchrony bank in regards to this issue. 

XXXX & XXXX decided not to renew their contract with Synchrony bank so the bank decided to discontinue the card. 

My credit took a hit with a decreased score. 
In 15 years I have 100 % on time payment. 

I asked Synchrony for a product change. 
They advise that option was not available due to their was no merchant who would pick up that contract. 

The pay boo card was terminated in XXXX, however as a tv producer XXXX travel and did not see the mail that they sent. 

My complaint is that I did everything by law and yet when these two companies decided not to continue business my credit took a hit and all the bank had to say was for me to read my terms and conditions as this is the law and they are in their legally right. 

The part that makes me the angriest is I wanted to buy more equipment and due to know product change which would not have required a hard pull on my credit. Now I either have to pay cash or try to get credit, however with the creditor closing the account it hit my credit hard. I assumed if I closed the account it would adversely effect me worse. Synchrony told me the opposite. 

I hope I explained the situation with the least amount of emotion.
Consumer complaint received 2018-07-14
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. (CT)

I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the XXXX about a week later. In XX/XX/XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XX/XX/XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the XXXX XXXX XXXX  because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the XXXX XXXX XXXX  to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XX/XX/XXXX and they reported me as late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my credit took a 50 point dip. Working the the XXXX  a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (UT)

I contacted Mohela on Friday, XX/XX/XXXX to ask for a refund on my payments for my loan that had happened after XX/XX/XXXX and fell within the XXXX refund period. I was told that a refund for {$3000.00} ( my payment made on XX/XX/XXXX ) would hit my account around 30 days from the time I called. The representative mentioned the first or second week of XXXX be when I would receive a refund. I asked the agent on the phone if I could get a confirmation email or if something would be shown on my account and they said they could not do anything like that. So I have no written information besides the phone call I made because they were unwilling to assist me in that matter. 

It is now XX/XX/XXXX and I still haven't received a refund to my account with my payment. Currently my mohela account shows my payment was made on XX/XX/XXXX and does not indicate any pending refund. I have attempted multiple times to contact Mohela and I wait for an extended period of time without anyone answering the phone. There is no ability to email contact Mohela which makes it very difficult to get information to my loan servicer to guarantee that my request for a refund has been processed or will be processed.
Consumer complaint received 2017-09-08
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. (NY)

Improper data security handling led to a massive breach of personal data of over a hundred million americans. I am listed as a likely victim on their reporting website. I 've had to freeze my credit and may very well be impacted for the rest of my life
Consumer complaint received 2017-09-08
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. (CA)

On Friday XXXX XXXX of 2017, per equifax website ( https : //www.equifaxsecurity2017.comXXXX ), I was a potential victim for identity theft that occurred in 2017. Equifax had security breach by a hacker and potentially had my personal information breached.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2019-07-10
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: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Consumer complaint received 2022-12-16
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-03-16
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. (WA)

I have new and updated information on case number XXXX with Experian Information XXXX regarding my credit file. 

I just received notice that Experian has completed their investigation regarding the following credit accounts : XXXX XXXX They deemed the information on my credit file to be 'accurate '. Which is false. I have already requested debt validation from both XXXX and XXXX, of which BOTH parties have yet to provide me with the document sIve requested to verify the alleged debts in the given time frame of ten days since receiving my requested letter via certified mail. Since both furnishers have been unable to provide sufficient proof to ME that their furnishing of my report is verified and valid, Experian has no means to prove the investigation of the validity of these accounts are lawful or correct.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

Vanderbilt Mortgage and Finance INC keeps listing a fee of {$15.00} and refuses to tell me why. Email responses have been vague. They copy and paste the late fee description from the website or deny that my email is associated with my account ( where they send email notifications when my statement is ready ). My payments draft and clear well before being late. Their late fee ( as listed on the monthly statement in the breakdown of fees, in the event that a payment is late ) is listed as {$20.00}, not {$15.00}. But still they ignore my requests for explanation of the charges. While we were trying to recover from the debt that losing our jobs to XXXX XXXX, they emailed and called me almost every day, but now all of a sudden they don't know who I am. I have been current and on time with my payments for months, a month has passed since my last email and I just got another statement with a XXXX {$15.00} charge. The email where they ask for my account information is a response to an email I sent via my online account where I pay my mortgage. They have access to all my information. When I responded directly they changed from calling my by my name ( Primary on the loan, the one who pays every month since the begining of the loan ) and started calling me by the cosigners name. At this point they copied and pasted the late fee statement from their website. But if you look at the statements it is not a late fee, it is a past due balance despite no late payments at all and no other reason for this fee. In some statements it says copy of contract, but I have never requested a copy of any contract, and they did not reference that when I reached out, just copy pasted a late fee text.
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

found out that I had a deferred amount on my mortgage in the amount of {$69000.00} of to which I believed that I had paid off my loan with the last payment which was in XXXX of 2021. The company sent me several letters saying I was late. They even filed a complaint with the credit departments. I was told by Specialized Loan Services to get a loan to pay off the deferred amount. I check with the company that they suggested and the name of that company is XXXX XXXX. The man that I spoke to told me about the credit ratings and that I could not apply for a loan. The amounts that they complained about made no sense to me at all. So here I am stuck with {$69000.00} to pay and no way to get the money to pay. I would like this to be stricken from my credit rating and not have to pay them back. Pleas help me.
Consumer complaint received 2017-09-08
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. (CA)

I was identified by Equifax as having my personally identifiable data exposed in the security incident occurring between XX/XX/XXXX and XX/XX/XXXX, by checking the site : https : //www.equifaxsecurity2017.comXXXX, entering my last name and last 6 of social security number, which stated : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I put a free government-allowed 90 day freeze request as of today, XX/XX/XXXX.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

XXXX  starting XX/XX/XXXX, they've taken {$20000.00}. I googled credit help, and their site seemed to good to be true. After doing a phone consult they said they'd save me money. They told me to stop paying my credit cards and that they'd take care of everything. So with all my debt, and the banks not working with me in financial hardship, even though i've paid on time for almost 10 years. I trusted XXXX XXXX being a company, and stopped making my payments. I never saw the actual " settlement agreements '' until XX/XX/XXXX when I couldnt figure out where my money went. Bank of america filed me in court ( XXXX ) and XXXX  XXXX, I submitted those to XXXX XXXX, asking what do i do after recieving a summons, they said i didnt need to respond if i didnt want to. I did the first reponse, and trusted them there after. XXXX XXXX paid bank of america and their settlements XXXX $ and none of that was applied when collected was put against me. I trusted them to help me, and on top already losing more money with them, i have court charges on me that they are not helping me with nor tried to help me with. the Court charges are XXXX $ and XXXX , they said if i stop making payments to them i'll lose more settlements. in which i recieved 1099c.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (NY)

I received a letter from DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX. XXXX, SC XXXX a collector 's company claiming that I owned over {$600000.00} dollars and this is from a credit card from XXXX. I remember over 15 years ago my credit card was stolen or the number and there was a large amount but I not so sure. I think this was in XXXX XXXX since I was traveling to XXXX. I don't see anything on my credit report from XXXX I just received this to my mail address. I don't have any bills pending, if this is the case why is not on my credit report. 

Thank you so much and please advice what to do next. 

Warm regards, XXXX XXXX
Consumer complaint received 2022-05-05
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to XXXX and equifax. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/2019 I applied for a Lowe 's Credit card which is issued by Synchrony Bank. I applied through my mobile phone while in the store. I received a message that I needed to contact Synchrony Bank and was provided a phone number. I called as was ask a few questions which were mainly identifying questions and was told that they would mail me out a reply within the next few days. 

I received a letter dated XX/XX/2019, which stated that they had " checked credit bureau information and other data sources to verify information on your application. We checked the following items of information : Social security number Phone Address Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. '' The letter suggested I contact XXXX since that was the agency they used. I went to the XXXX website and pulled my credit report. I then called XXXX. After going through the identification process with XXXX, which they were able to confidently identify me, I asked them if they could see anything on my report that would give a lender a reason to not be able to properly identify me. They said they did not and that I should contact the lender. I called Synchrony Bank and the first person could not even see in their system a reason for the decline. I asked for a supervisor who would not even look up my application just stated the same thing as the letter. 

I questioned the supervisor how they knew enough from the application and their research that I was the applicant if they could not confirm my identity. She stated that they were able to get enough information to know it was me, but not enough to " confirm my identity for approval of the application ''. This made no sense to me. She would not tell me anything more. 

When I called bank the only way they could find me in the system was through my name, address and last four digits of my social security number, which match identically to what is on my credit report. They had sent me a letter to the address on the application which I had received which means the address was correct. My name and social security number matched what I provided because they were able to pull a credit report. 

So I now have a credit inquiry on my credit report from an institution who said they were not able to verify my identity. If that is the case I think they should remove the inquiry since they can not prove that was who applied. If they could verify that I was the applicant then what was the real reason I was declined?
Consumer complaint received 2023-02-22
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. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2022-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I pay a " realtor '' in desperation for an apartment and it was a scam and their business wasn't registered. They have a XXXX page called XXXX XXXX XXXX XXXX utm medium=copy link And I noticed they have a lot of fake followers. Also I made two payments of {$200.00} for an aplication fee and {$1600.00} for security deposit under the term of Refundable. Neither transaction has more than 12 hours ( application fee ) and the {$1900.00} which I reported like 4 hours later. The bank its telling that there is a more higher porcentage that I would not be able to ge the money back even though the transaction was pending and the money wasnt still available for the other party. I was desperate for an apartment because Im having such a bad and now I got scammed for almost 20 % of all my savings.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.