davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I am being harassed by Synchrony Bank for payments showing past due only because of their banks error. 
I have a term powersport loan for a XXXX XXXX through Synchrony Bank. I am on Autopay as confirmed in writing by Synchrony bank. They mis-applied then corrected a {$2000.00} principal pay down made on XX/XX/XXXX, however when corrected and reapplied they put me in arrears and started collection calls, stating my autopay was not scheduled to start until XXXX ( due to the incorrectly posted {$2000.00} ). I have explained this two months in a row to the collectors XXXX on XX/XX/27 and another not so nice collector on XX/XX/27 who were calling me for money, none have acted to resolve this and re-start the autopay. I was unable to reach a supervisor or manager as they transfer you into a queue to wait, one time I waited 15 mins then disconnected, the other time I was disconnected after 5 mins so I have abandoned the effort to speak to someone in management at Synchrony Bank. I also wrote a letter mailed XX/XX/XXXX to XXXX XXXX XXXX of XXXX XXXX XXXX Vehicles regarding the matter. I also called on XX/XX/XXXX and spoke to XXXX regarding the correcting the principal paydown. Synchrony has my confirmed auto payment set up and were drafting payments successfully prior to the debacle with the {$2000.00} principal paydown, they also have my {$2000.00} but continue to harass me for money two months in a row and appears no action is being taken to resolve the matter though I have explained this 3 times now.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO  allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!
Consumer complaint received 2019-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed for Chapter XXXX back in XXXX of 2009, in the County of XXXX California. I recently noticed after all this time that XXXX   has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX XX/XX/2009 {$0.00} XXXX XXXX BKPT CT CA XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified   XXXX   that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (OH)

I refinanced and paid off a car loan that was held by Bridgecrest back in early XXXX of 2019. It was overpaid by aproximately {$130.00} and I have not yet received the refund of the overpayment. Everytime I call they tell me that a check has been sent and verify the address with me but it has been 2 months and I have not received a check. I think there has been adequate time to issue this refund and do what is necessary to make sure I receive it.
Consumer complaint received 2019-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (NC)

In XXXX of XXXX, i notified Upgrade of the natural disaster which was hurricane Florence which devastated my area. We are located in a declared natural disaster still. They told me i would allowed two deferrments or extensions that would help me get back on my feet until the end of XXXX. It is now XX/XX/XXXX and i am about to close on a home equity line of credit which was not only to get myself and my family back on my feet, but also to pay Upgrade off. They never gave me an extension and now on my three credit bureaus it is showing i am 60 days late on my account which is not only enabling me on closing on my home equity line of credit, everything they have told me concerning the the extension unitl XXXX was a lie and deceptive to me which is now putting me in a position to either have to file bankruptcy or hire a debt settlement bank to help me settle for pennys on the dollar. All because of Upgrade 's deceptive tactics. I have tried numerous time to speak with a supervisor and not one time have they emailed me or called to address the matter.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had capital one for many years and have a total of 5 credit cards and, two auto loans, and I also bank with them. I have tried for years to get my secured card graduated, product changes, and credit limit increases. Specifically on their venture card, which should have a starting limit of XXXX but was given XXXX. I have never missed payments on any accounts and balances are low. They give meaningless/inaccurate reasons for denying credit limit increases or product changes. I have a XXXX XXXX card that Carries a high balance for a procedure that was financed. Out of my 10 credit cards, this is the ONLY card that has a high balance. Capital one is not worth the headaches and customer service is usurped because everything is controlled by a computer. They cant Override anything or transfer you to someone who can help or even answer questions. I have been given numerous differing answers for the same questions.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I had a service agreement with XXXX XXXX XXXX for several years and suddenly my service stopped working. I called XXXX XXXX XXXX customer support to assist me in fixing the issues but nothing was ever done for months to follow. When I finally did reach someone in customer support they told me I needed to purchase an extra booster to solve the issues with my phones. This unit cost {$300.00}. I refused to purchase the booster due to the fact that my service agreement stated that if the phones were not working, they would fix any issues that needed fixed. Since I never got any of the issues resolved, I took the phones back and was forced to cancel my services with XXXX XXXX XXXX. Consequently, XXXX XXXX XXXX sent me to collections with Sunrise Credit Services , Inc., for the sum of {$2600.00} for early termination fees. ( Please see attached bill dated XX/XX/2019. ) This incorrect reporting is harming my credit scores. ( Please see attached credit report. ) Ive tried to resolve this issue directly with XXXX XXXX XXXX with no success and also with Sunrise Credit Services , Inc . 

Below is the first paragraph of the Service Agreement XXXX XXXX XXXX wherein in clearly states that Most customer concerns can be resolved quickly and to the customer 's satisfaction by calling our customer service department at XXXX. 

My issues were NOT resolved and I was forced to return the phones and cancel my service agreement. It was not my fault that I was sold faulty equipment and I was not notified up front that I would have to purchase a booster unit to upgrade my phones.
Consumer complaint received 2019-02-11
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-23
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. (OH)

XXXX XX/XX/2023 I was never late on this account listed above. Please show proof of transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this please remove this alleged late payment from my credit report. The FCRA allows thirty days for this to be rectified.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

Experian credit reporting agency failed to do a proper investigation after I formed them of XXXX harassment from a lending agency XXXX XXXX located XXXX XXXX XXXX, XXXX, SC XXXX I reported to the CFPB of this company for what I see Consumer, financial protection bureau yall dont take complaints seriously when it comes to these white organizations and their discriminatory practices I was discriminated against consumer, financial protection bureau continue on, allowing this XXXX XXXX to continue on operating business. As usual numerous complaints to Experian. They failed to remove this. XXXX XXXX XXXX from my credit report. it doesnt matter to Consumer, financial protection, bureau or Experian because XXXX XXXX I see that yall figure XXXX supposed to have bad credit while yall forcing me to do business with a company that show XXXX harassment towards me when applying for a loan. XXXX points have been removed from my credit score because this XXXX XXXX  ignorant XXXX  people at XXXXXXXX XXXX  along with Experian, credit reporting agency, and the Consumer, financial bureau im feeling totally disrespected by all of you I want all of you to feel bad for. What cfpb along with that XXXX, white  company, XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX its not a joke that XXXX harassment happened to me. I dont care if I got to make 1000 complaints. Every time they notify the credit bureau Experian forcing me to deal with some XXXX  people who care nothing about XXXX people Experian along with XXXXXXXX XXXX. They started this they shouldnt have never told me to come down there and disrespected me Consumer, financial protection bureau you took no action. now the way to get back at me. XXXXXXXX XXXX now using the credit bureau owe them nothing they dont have sense enough to apologize after that XXXX act they committed against me.
Consumer complaint received 2019-09-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Asset Law Group, P.C. (CA)

years ago back in XXXX i had a XXXX XXXX card for XXXX issues. back then i was paying XXXX dollars a month for a credit card that totaled around 5000 dollars. After a certain amount of time ( I believe 12 or 18 months ) they stopped accepting that amount and wanted XXXX which was impossible for me at the time. I reluctantly stopped paying all together. Money was a struggle at the time. Over the years I had not heard or paid anything for that debt. In the beginning months of XXXX I started getting business cards at my door ( i was never home when they came as i work full time ) In XXXX someone came to my employment to server me ( she knew it was me based on a picture from my XXXX for XXXX ) I made several attempts to contact the number on the paper work which finally i got a return call. basically they said i needed to pay at least a XXXX dollars and start making monthly payments. This did not seem legitimate considering they are trying to make me pay XXXX XXXX dollars. I'm certain this is past the statute of limitations. but i was scared and paid the XXXX and agreed to the XXXX dollars monthly ( against my better judgement ) which at the time i was told there would be no garnishment to my wages. Well low and behold i dropped off a XXXX dollar cashiers check to a shady PO box and the following week my paycheck was garnished for up to 25 % I've sent numerous emails with no response. at this point in time we are almost up to another XXXX dollars being taken out of my paycheck. I don't believe they honored what they stated and now i'm left trying to stay a float.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

My husband and I used TD Bank for a conventional 30 year mortgage. We stared the process in XX/XX/2018. We closed on XX/XX/2018. 

On XX/XX/2018 a document stated cash to close was {$72000.00}. On XX/XX/2018 another document cash to close was {$65000.00}. 

On XX/XX/2018, we were contacted by XXXX XXXX from TD Bank and she requested that we confirm for her the the amount of our deposit to the builder ( {$18000.00} ) and the total home price ( {$370000.00} ). We sent this to her in an email, of which will still have a copy of. We never heard anything back from the bank. 

We figured from the cash to close information we previously received and leaving some room for error, we figured the money we would need would be about {$75000.00} Although TD Bank had all the required documentation needed from us, along with the correct purchase price/ deposit ( sent to the bank on XX/XX/18 ) we never received any settlement information from them. On the day of closing, we had to contact them and request it be emailed to us. 

On the day of closing, XX/XX/2018, less than 24 hours before our closing we received several settlement statements and to our surprise the final statement was {$16000.00} more than expected! We did not receive a correct settlement statement 24 hours prior to closing. We did not receive any information about cash to close after XX/XX/2018 when we sent TD Bank the information they requested about the deposit/ home price. We were placed in a very bad situation due to the fact that TD Bank did not follow The Real Estate Settlement Procedures Act that requires that a settlement statement be given to all parties involved with the transaction 24 hours prior to the scheduled closing date. TD Bank also did not properly record the figures given to them on XX/XX/2018. We believe that is the reason why our cash to close/ settlement statement kept changing on XX/XX/2018 ( our closing date ). 

The unexpected {$16000.00} was truly needed by us for moving/ traveling expenses but in order to close we had to us it. If TD Bank would have sent us a settlement statement prior to closing, we would have been able prepared for closing/ costs due. 

We are filing this complaint after trying to work things out with TD Bank. Their response was that they did nothing wrong. We believe they did. As consumers we had to follow laws/ regulations to obtain a mortgage but TD Bank did not follow the guidelines/ laws placed on a lender. We are requesting that you look into this for us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-09
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-18
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. (CA)

This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my XXXX AND EQUIFAX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on XXXX is misleading, inaccurate and incomplete.XXXX says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With Equifax " date first major delinquency reported says XX/XX/XXXX and XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (FL)

I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I obtained A XXXX XXXX secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XXXX XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove the account.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OH)

Im receiving 4+ calls a day from various numbers from the same company. When I answer, there is no one on the other line sometimes for at least a minute and after Ive said hello many times, then I hear a click and someone asks for me. I answered again today and they didnt identify themselves but I said to stop calling me. I called back to see what the recorded message says and it says CBE group. They never leave a voicemail, and continue calling back to back.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Company report me late during Covid-19 and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with long XXXX