davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

My credit report shows an account for {$780.00} in collections for over a year and a half with XXXX XXXX XXXX. I spoke with the legal department of XXXX on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to CS and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called XXXX  legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to CS and told they are the ones reporting in error to XXXX. The CS rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated CS transferred me to her stating it was legals problem. She put me on hold and transferred me back to CS. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) XXXX stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call XXXX  they transfer me to and from the legal department to CS.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX I received two letters in the mail from a law firm by the name of XXXX XXXX XXXX. This is the first time for me to receive notice of SUMMONS OF CONTINUING GARNISMENT. Case no.XXXX Civil Action file no.XXXXLVNV Funding LLC is constantly filling lawsuits against me since the beginning of the Pandemic. Since my devoice in early XXXX, I have been struggling to pay off old past debts. The Pandemic started in XXXX and caused me to go under in debt even more. The account was under collection along with other accounts all under one collection company ( LVNV Funding LLC ). For each collection account they have on me, they are suing me. I can not breath for having to try to make court and try to negotiate, and now they want to garnish my only means of income, when I am still trying to recover from XXXX leave and unemployment benefits when Covid was at a all time high. I am currently working now but yet being targeted by the fear of loosing my job, because of garnishment.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

Commercial Acceptance Company Refused to offer any written information past collections letters. No written verification or written agreements, stating that company policy is only verbal agreements and information. This happened on XX/XX/XXXX around XXXX. Verbal promises were made for expungement but unwilling to send anything through writing.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I am personally submitting this complaint, please see attached documents as they will explain my complaint and verify my identity
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. (TX)

Equifax was attacked, resulting in a hacker gaining access to 143 million names, social security number, birth dates, addresses, and driver 's license number. My personal data were among the impacted records. Protection of such sensitive information should be any company 's first priority, and I believe Equifax has proved itself undeserving of the responsibility of holding such information.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (FL)

Each time I attempt to log into to Chase.com to pay my credit card ( now three months in a row ), they state that my info is not in their records. I am required to submit info again to get a text message and reset my password. I follow that step and pay, log out, and then log in again and the same thing happens with the new password. This is a 0 % balance transfer card and I believe they are trying to inhibit me from paying by the due date in hopes I will forget or miss the deadline so they can begin charging interest. I have been quick enough to reset days in advance but almost forgot because it takes XXXXXXXXminutes to go through this process.
Consumer complaint received 2021-09-23
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)

I have contacted Transunion, XXXX and XXXX regarding this account and told them that they are reporting it incorrectly. It has been adversely effecting me and has ran my utilization up! I finally received the same letter that the bureaus did and they have done nothing with it!! I need someone to assist me with getting this negative item removed. I have two account with XXXX XXXX XXXX and they are updating the WRONG account.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I am asking you to look into Navient. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that Navient puts the payments XXXX makes from direct bank payments, to where Navient wants to apply them. Who does this? This also happened during XXXX. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

On approximately XX/XX/XXXX I noticed a closed account on my credit report from a XXXX card for the amount of {$1000.00}. I have since them sent several communications stating that I never Applied or used this credit card. 

I than requested them to send me a copy of the application. The copy they sent me was an online application that was not filed or signed by me. I have filed a police report for identity theft. This company keeps on adding interest on this account that has been closed since XXXX. I have never own a XXXX or XXXX card and I need this information to be permanently removed from my Experian report as it is intentionally affecting my credit score. 

This bank or institution is well aware of the reports I have made to get this issue resolved. They have no more prove than an application made online. If my identity was stolen of course the thief would have access to file an online application and to use the card as well.
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

CITICARDS CBNA XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX -You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Consumer complaint received 2022-03-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

XX/XX/2022 I applied with New American Funding for pre-approval of a conventional VA home loan. I purposefully applied to several loan companies at the same time to not destroy my credit score. After submitting the pre-approval, I did not have any contact from the lender so I decided to use a different company. On XX/XX/2022 New American Funding pulled my credit score and it was listed as XXXX XXXX. I thought it was fraud. It took me disputing the credit inquiry only to find out that XXXX XXXX was actually New American Funding. Ive never had a credit pull 2 months after applying for something. I ended up losing my dispute and this pull was listed as a hard inquiry. This is how you hurt consumer credit scores when they are trying to do everything correctly.
Consumer complaint received 2022-03-16
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)

Hi, I am making this complaint because there are multiple errors on my credit report I called the Experian, XXXX, and XXXX but only Experian was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.
Consumer complaint received 2022-03-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Our loan was sold from XXXX XXXX to Mr. Cooper. We were told to continue paying XXXX XXXX. We have never been late on our mortgage payments and have always been on time for four years. But when our loan was sold to Mr. Cooper it has been a disaster. We sent our mortgage payment into XXXX as usual for the month of XXXX, either at the end of XXXX of XXXX we were notified to start paying Mr. Cooper so we sent them a check at the beginning of the month which was XX/XX/XXXX. But now Mr. Cooper says we never sent the payment in XXXX ( which we weren't notified about and already sent a payment to XXXX ) so now Mr. Cooper is claiming we're in default!
Consumer complaint received 2023-09-21
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. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THATMY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2022-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (DC)

I have a mortgage with Caliber Home Loans. I'm a XXXX Veteran. I was granted significant property tax relief from the District of XXXX in XXXX of XXXX, which reduced my property taxes by roughly {$1700.00} at the time. 

XXXX did my annual escrow analysis in XX/XX/XXXX, and it failed to capture my newly reduced taxes. They also overpaid my taxes by ~ {$1700.00} in XX/XX/XXXX The incorrect escrow analysis triggered an escrow shortage, which raised my monthly payment by {$300.00} starting in XX/XX/XXXX. 

I complained about the tax problem multiple times on the phone, and sent emails via their internal messaging system between XX/XX/XXXX and today. I provided them with a copy of my current tax bill from the city of XXXX in XX/XX/XXXX, and they finally agreed to run a new escrow analysis, which I got back today The new analysis shows they still have not gotten the tax information right. The new analysis shows me paying an extra ~ {$3300.00} in taxes over the course of XXXX ( payments in XXXX and XXXX ) that I do not owe. This is on top of the {$1700.00} overpaid in XXXX, and no one can tell me where that money went. 

My actual tax bill due this month ( XXXX ) is {$1400.00}, and the same will be due in XX/XX/XXXX. My escrow analysis shows they're paying the city {$3100.00} in XXXX, and the same amount again in XXXX. That's more than twice the amount I actually owe PLEASE HELP. I can't afford to keep paying an extra {$300.00} per month for taxes that I don't owe.
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)

Equifax has released my SSN and other vital private information to the public without any recourse for me to be protected. While they are offering " protection '' ( quotes are important ) it removes any ability for me to be properly reimbursed for my time and expense to clean up any issues created by Equifax. It is important that the CFPB work with Equifax and other reporting agencies to determine everyone affected and to for no cost to those affected place an immediate credit lock on their reports for at least a period of 5 years. In addition the only way to remove this lock should be to contact, in writing, at the address on file from before the breech was committed, the person having their credit being queried, modified, or otherwise interacted with to prevent future fraud for those affected.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I submitted my PSLF information a few months ago, along with my application to actually have my loans forgiven, and the decision has been held up due to clerical errors on the part of the lenders ( currently MOHELA as well as the former provider ). My employer of the last 9 years has been incorrectly named in their files and the issue is causing my employment to not count for certification. I am a XXXX XXXX in a XXXX XXXX XXXX, and am in my XXXX year at the XXXX XXXX. I was in other schools previous to this one.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

By the use of MALPRACTICE I have been subject to VIOLATIONS OF THE FCRA by your company. 

As a RESULT I have experienced FINANCIAL INJURY, DEFAMATION OF CHARACTER, JOB DENIAL, CREDIT DENIAL as well as GOVERNMENT ASSISTANCE DENIAL.
Consumer complaint received 2017-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

On XXXX XXXX, XXXX, I attempted to apply for a loan with One Main Financial on-line. I received a call from XXXX who seemed to be asking extensive questions. After I hung up I realized what I thought I was applying for was going to be secured by my home or my vehicle and I wanted an unsecured debt consolidation loan. So I called back XXXX immediately and cancelled my loan application, she asked why and I said I changed my mind. She never said anything more. 

On XXXX XXXX I received a denied application notice. I was surprised since how can a cancelled application be denied. I called on XXXX XXXX ( because I work ) and talked to XXXX. Explaining the situation, told him of my concern. He did not do anything except offer to send me the reason for the denial. 

1st email Thank you for considering OneMain for your credit needs. After careful review of your loan application, unfortunately, we are unable to approve your loan request at this time. 

If you would like a statement of the specific reasons why your loan request was denied, please contact us at OneMain, XXXX. XXXX XXXX, XXXX, IN XXXX, or call XXXX, within 60 days of this letter 's date. We will gladly provide you with a statement of reasons within 30 days of our receipt of your request. Please include the reference number and the date of this letter in all communications. 

Our review process may have included information obtained from a credit reporting agency. This agency was not involved in our decision on your application and can not provide you with the specific reasons for our decision. 

Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your report from the credit reporting agency listed below within 60 days of the receipt of this notice. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have the right under the Fair Credit Reporting Act to dispute with a credit reporting agency the accuracy or completeness of any information in any consumer report furnished by the credit reporting agency. 

2nd email Thank you for contacting us about your OneMain loan application. Below are the specific reason ( s ) your loan was not approved at this time : Incomplete Application We invite you to visit OneMainFinancial.com/Learn, which has valuable resources and tools that can help you learn how to achieve your financial goals. 

Sincerely, OneMain XXXX. XXXX XXXX XXXX, IN XXXX For me there is a significant difference between a cancelled and a denied application. 

Thank you.
Consumer complaint received 2022-05-05
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, I, XXXX : XXXX, Beneficiary, sent correspondence to AMERICAN EXPRESS " AMEX '' at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding a major violation on their behalf against my consumer protected rights. After sending them this correspondence, they are continuing to fraudulently and maliciously cause me harm by reporting my consumer experience by means of credit utilization which is in fact ILLEGAL. On top of closing my account without my written consent. According to 15 USC 1681 ( a ) ( 1 ) my consumer experience is NOT included in " consumer report ''. I attempted to address this matter directly with said company and they are continuing to report on the utilization of the account. Please address this matter with them immediately. I am currently gather my documents for my next step which is to take aggressive legal action. 

I have also sent them a negotiable instrument to bring my account balance up to date and they have kept and accepted my negotiable instrument and continued to send me the same bill in the amount of {$2000.00} in an attempt to defraud me by double dipping.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (NV)

I was never notified that I had an outstanding balance with the XXXX XXXX XXXX XXXX XXXX. I have an still enrolled and have paid for clasees now and have not had a notice of delinquency. I also never received notification from CONSERVE collection agency was attempting to collect a debt. I found out by looking on XXXX XXXX. 

The account with Conserve was paid on XXXX. It is still however being reported in XXXX. So my paid collection is not 11 months old it is 1 month old or new, drastically lowering my credit score.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Complete Credit Solutions, Inc. (AZ)

During the summer of 2018, I was sold a nonfunctioning alarm by a disreputable company named XXXX. I was required to make XXXX monthly payments, but Ive refused to make the third payment because the alarm never function from the day it was installed. The company XXXX sent out people to repair the alarm 3 to 4 times and they were never successful in fixing the alarm. They also refused to take the alarm back and refund my money. Over the many years, this company has called and harassed me personally about this last payment. They have called and harassed my siblings, they have called and harassed my children, they have called and harassed my financial advisor/friend, and they have called and harassed my former employer. Each time they make a call to one of those listed above, they claim that they are calling about an urgent court related matter, and that they need to speak with me immediately to avoid further legal action. This has caused me considerable distress in explaining things to my family, employer and children. 
I have repeatedly asked them to never contact me or anybody else regarding the last payment I refused to pay, due to a nonfunctioning product. Over the years, they continue to violate my request.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/16 received email stating my credit line was approved with bank of america. I did not open an account tried multiple time to contact with company- called back 4 times traansfered multiple times with no luck