davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NY)

On XX/XX/2020 I was informed by my real estate agent that there was a collection on my credit report that resulted in me being considered a risky tenant and that I would now need a guarantor due to the impact of this collection on my credit report. On XX/XX/2020 I contacted XXXX to file a dispute and reached out to Southwest Credit Systems to investigate the alleged account further. The account was listed as being opened XX/XX/2020 and was in collection for 30 days for the original amount of {$26.00} and was now at {$33.00}. However, I was never contacted by the company about the alleged account. When I called Southwest Credit Systems I was not notified of my rights, but they asked for personal information to retrieve the account, which they were unable to locate. I gave them identifying information that they should have had on file, yet they could not find the alleged account that was showing on my credit report and now costing me unnecessary hardship.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OR)

I have a Synchrony Bank " CareCredit Card. '' This card offers a deferred period where if paid by a certain date, you will not pay interest. If not paid by this date, interest will be accrued retroactively to the date of purchase. 

In this particular instance, I had 2 separate transactions on 2 separate dates. However, they both had the same promotional deadline of XX/XX/19. The oldest of the 2 was the largest and all payments made were applied to this transaction until the last two payment, Synchrony then applied the last 2 to the second purchase. This left a balance on the larger purchase ... effectively making me responsible for the retroactive interest that was the highest. 

After over an hour on the phone and having to exert much force, Synchrony rectified this. They told me that this was done for my benefit since it appeared that I would not have the larger balance paid off, it was better to at least pay off the smaller of the two. I don't buy this for a minute and feel that this is a very underhanded tactic to extract the most interest possible. I only caught this when I went on line to see the balance that was remaining on the larger purchase, as I have every intent to satisfy this balance by the deadline. 

I think the actions of Synchrony is criminal and should be investigated!
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (OH)

EQUIFAX REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT EVEN AFTER THEIR SISTER COMPANY XXXX WHO PROVIDES EQUIFAX 3RD PARTY INFORMATION REGARDING THIS MATTER HAVE REMOVED IT FROM  THEIR DATABASE. LETTER ATTACHED FROM XXXX. 

THE FAIR CREDIT REPORTING ACT STATES THAT A BANKRUPTCY " CAN '' REMAIN ON YOUR CREDIT REPORT FOR " UP TO '' 10 YEARS WHICH IS THE LEGAL MAXIMUM, NOT THE MINUMUM. THEREFORE IT CAN BE REMOVED EARLY. 

XXXX & XXXX BOTH HAVE REMOVED THE BANKRUPTCY OF 6 MONTHS AGO.
Consumer complaint received 2021-06-15
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. (NJ)

To whom it may concern, There has been some activity on my account that was never authorized by me that needs to be removed as it is fraud and never signed off by me. The following inquiries I have no knowledge of and explained to these companies and they should be removed from all credit reporting agencies. The following inquires are XXXX XXXX Inquiry from XX/XX/2021 this 100 % i never went to there store and signed anything or applied anywhere.
Consumer complaint received 2020-02-21
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: Experian Information Solutions Inc. (GA)

Hello, I have been disputing an XXXX XXXX account, acct number XXXX for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.
Consumer complaint received 2019-05-01
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: WELLS FARGO & COMPANY (IL)

We were in a chapter XXXX bankruptcy and found that our lender had derogatory notations on our credit report. We reaffirmed our mortgage with Wells Fargo after bankruptcy and they didn't report it to XXXX XXXX because we had made a complaint. After over a year and a complaint to the CFPB they placed our mortgage back on my husbands credit report They will not place it back on to my credit report Please help me I just dint understand why-three of the credit reporting agency 's have fixed this but Wells Fargo refuses to contact XXXX XXXX and report my mortgage correctly Is their anything I can do Not reporting my mortgage is negatively affecting my ability to obtain credit and my credit score
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I received a letter from Macy 's stating that they will not renew my Macy AMX card beyond the expiration date. I called and asked why, and they told me that I did not meet the criteria to qualify to have the card renewed. I asked the agent what the criteria is to qualify and was told " we don't discuss or disclose that information to our customers. '' Macy 's is a company that pushes its associates to get customers to apply for and obtain a Macy 's credit card. Then when you use the card Macy 's wants to complain and the lower the credit limit ( which Macys has done twice with my account ) and then not renew your account. A growing and popular trend among credit card companies is to frequently pull a credit report on a consumer to " review '' their account and then lower or decrease the credit limit closer to whatever the balance is on the card at the time of the " review '' and then complain that the consumer is using too much of the credit limit or that the proportion of balance to credit limit is too high. Then the credit card companies expect the consumer to pay the full balance while at the same time continuing to charge interest on an account the consumer may no longer be able to use and refuse to work with the consumer for an amicable solution. It's only when a corporation is sued or is subject to action taken by the government against the corporation, then the corporation wants to play the victim. At a time when Macy 's is struggling and is going through tough financial times and having to close stores and lay off employee I don't think upsetting and alienating the customers is a way to increase business and sales to help a company that is already struggling financially and prevent Macy 's from following behind Sears in filing bankruptcy and will probably go out of business in the next five years.
Consumer complaint received 2021-06-15
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. (NJ)

To whom it may concern, There has been some activity on my account that was never authorized by me that needs to be removed as it is fraud and never signed off by me. The following inquiries I have no knowledge of and explained to these companies and they should be removed from all credit reporting agencies. The following inquires are XXXX XXXX Inquiry from XX/XX/2021 this 100 % i never went to there store and signed anything or applied anywhere.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (CA)

On XX/XX/2019 my credit was run to determine my ability to purchase a new home. On my credit report is an old Mortgage that was foreclosed. However, this is an old account and should no longer show as being open. I need this taken off my credit report as being an open account.
Consumer complaint received 2022-10-14
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. (SC)

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, TRANSUNION, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (IL)

I asked a particular bill collector ( Franklin Collection Agency ) to  provide original documentation verifying a debt with XXXX on XX/XX/XXXX. XXXX is a part of XXXX XXXX XXXX, and I expressed to this collection agency in writing that I have already paid this bill. They are continuing to pursue an already satisfied debt which I will not pay again.
Consumer complaint received 2022-12-01
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. (AZ)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are 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 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 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Please reverse the late payment reported on in this particular account:XXXX XXXXThe account was never past due, I never made a late payment to thiscompany ever, please change this. I have a good relationship with this company.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (TX)

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  ) Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, Equifax and XXXX ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. 

I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Also, its has been 60+ days and no comment and/or remark have been made to my Equifax report under XXXX XXXX XXXX  to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.
Consumer complaint received 2021-04-17
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. (PA)

Around the beginning of XX/XX/XXXX I filed a dispute with XXXX, I believe it was XXXX $ to XXXX Main Financial. Long story short, we went to court on XX/XX/XXXX. The judge found in their favor and on XX/XX/XXXX I appealed the decision. Next, on XX/XX/XXXX, I filed a notice of intent to file default judgement. Finally, on XX/XX/XXXX, the office of the prothonotary filed the praecipe to enter default judgement. After all of this, XXXX  has already removed this info from my report, but Transunion and XXXX  have not. After filing a dispute on both sites, they simply updated the info to show I owed more money than before.
Consumer complaint received 2022-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

XX/XX/XXXX - began sending secure messages through my account portal on Mohela 's website asking for the status of my application for the limited XXXX waiver. 

XX/XX/XXXX- sent another message same as above. 

XXXX/XXXX/XXXX - sent another message same as above __ STILL HAVE RECEIVED NO RESPONSE___ XX/XX/XXXX - tried calling Mohela customer service more than XXXX over a XXXX hour period. Spent XXXX hours on hold at XXXX point. Nothing. 

No response from company. Can not find out if my application is with them or if I will miss out on the limited PSLF waiver which is due by XX/XX/XXXX. This company is absolutely ignoring customers.
Consumer complaint received 2021-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021, I sent a letter asking for an investigation and the information used to add this account to my credit report. I have made 4 attempts since XX/XX/2021 and I have not received any information regarding this account XXXX XXXX XXXX.
Consumer complaint received 2021-06-15
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: Franklin Collection Service, Inc. (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me.
Consumer complaint received 2020-02-21
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XXXX. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XX/XX/2014. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/2019 we received our monthly mortgage statement and the payment had been increased by {$600.00} per month. When we called, we learned that the escrow had a shortfall situation. Upon further research, it was determined that the taxes had not been addressed appropriately when the mortgage was done due to our home being new construction in a neighborhood. We also learned that this mortgage underwent several checkpoints in which no one caught this mistake on our estimated taxes. Therefore, Wells Fargo both needed to recoup their loss and then make up the amount that needed to be added back to the escrow. 

We had a baby on XX/XX/2019. So my wife was on unpaid leave to top this situation off. When we called Wells Fargo, we were told that they would not help us and that they also would not waive any late fees. We have struggled to make these payments and it's put us nearly into financial ruin. We had to use the funds we saved to pay the medical costs from having a baby in order to keep our home. So now we are in collections for those. The late fees on our mortgage continue to pile up and we stress every month because we don't know if we can make the payment before our credit is affected.
Consumer complaint received 2020-02-21
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XXXX. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.