davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
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. (CA)

XXXX/XXXX ACCT XXXX IS REPORTING INACCURATELY AND INCOMPLETELY. 
EXPERIAN HAS CORRECTED BEFORE AND REFUSES TO REINVESTIGATE.XXXX XXXX XXXX XXXX EMPLOYEE XXXX SAID ACCT WAS REPORTING CLOSED.ON EXPERIANS PRODUCT, EXPERIAN CREDIT WORKS PREMIUM THE ACCOUNT REPORTS OPEN. 
NO STATUS IS INCORRECT.THE ACCOUNT IS CURRENT, PAID AS AGREED AND CLOSED BY CONSUMER. 
EITHER CORRECT PERMANENTLY OR DELETE ACCOUNT.
Consumer complaint received 2019-09-27
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. (VA)

I tried calling Trans Union Reporting Agency customer services to let them know i was a victim of there breach inquiry issue that they had. Once I spoke with the customer service person wouldn't take care of it so I'm reaching for more help. So I wanted to remove the inquiries that was listed on my report. 

Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX, Mi XXXX Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Ca XXXX Inquiry XX/XX/2018 XXXX XXXX, Oh XXXX Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2019-09-27
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)

On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'XXXX XXXX XXXX XXXX, and the Balance is {$56.00}. The Original Creditor is 'XXXX   XXXX XXXX XXXX XXXX '. 

After the communication with 'XXXX  XXXX XXXX XXXX, they told me that the bill was from XXXX XXXX XXXX They also showed me the billing statement from XXXX XXXX. That statement was for a home insurance policy ( XXXX ). 

However I never bought the home insurance from XXXX XXXX. I did ask about the home insurance of XXXX XXXX in XXXX on the phone, but I never agreed to buy it because it didn't fulfill the requirement of the mortgage lender. I never signed any contract/agreement with them to buy the home insurance. I don't have any homeowner insurance contract with XXXX XXXX at all! 

I filed a disputation with Equifax on XX/XX/XXXX. After a long time waiting, I received their investigation result on XX/XX/XXXX. The result is really disappointing, they said the collection account belongs to me! But Equfax didn't provide any evidence/document to show why did they thought this collection account belongs to me! 

I am very surprised with the investigation result from Equifax. I also filed the same disputation with XXXX and XXXX, both of them also made investigation and finally removed that collection record from my credit report. 

The collection information on my credit report has hurt my credit score severely. Equifax must remove that collection information from my credit report!
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (TX)

Didnt even know I still owed this company. Was making payments tehn stopped receding a statement. I have great credit and pay my bills. This is insulting to me. Why didnt they contact me and let me know I had that small amount left instead of trying to tarnish my credit.

However the past three months I had fraudulence on my checking account and then followed someone scamming my mail and having all my mail forwarded to a XX/XX/XXXX address and I live in XX/XX/XXXX. Been working with a privacy investigator. The post office said some physically came into a post office and change my address. So its been a nightmare. I recently started receiving mail but most business transactions I do now are through email. Had to get s new debit card. Changed my credit cards. So if they did mail something to me in the past 3 months I would not have received it. If they send me a bill now I would be sure to take care of it but I dont feel its fair to be on my credit report when its nit my fault. Cant pay something I dont know about.
Consumer complaint received 2019-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage payment. In late XXXX, our daughter fell upon financial struggles with her living expenses and returned back home with our XXXX grandchildren. Our living expenses have increased slightly ; since theyve moved in as I now currently have to care for not only my daughter, but also my grand-children. 

In the beginning of the year ( XXXX ) we fell upon 3 major auto repairs between our two personal vehicles and business vehicle, in which we are currently still paying on ( listed in financial worksheet ). In-between the additional expenses and unexpected auto repairs, my company had a decrease in income/volume from XX/XX/XXXX to XX/XX/XXXX. We had a few clients whom did not renew or return for my business services resulting in a decrease in income. Although we attempted stretch funds amongst all our personal and business expenses, we slowly and surely depleted our funds. 

As of XX/XX/XXXX, my business has since recovered from the lost income and weve been able to sign on additional clients increasing work volume. As we began to recover from the hardship, we attempted to resume payments, however to my surprise I was advised I was unable to make a payment, unless I was able to reinstate the full past due balance amount. 

We are requesting a loan modification or possible repayment plan, as we are now in a better financial situation and we are able to afford our mortgage payment again. At this time, we are requesting assistance on the outstanding/past due delinquency balance in order to help allow us to retain our home and move forward with your financial institution in good faith.
Consumer complaint received 2019-09-27
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: TD BANK US HOLDING COMPANY (OR)

Re : NORDSTROMTDBANKUSA XXXX XXXX XXXX XXXX XXXX, CO XXXX I made a timely payment to Nordstrom from my checking account from XXXX XXXX XXXX XXXX in XX/XX/2015, check number XXXX for {$100.00}. Unfortunately, my bank charged me 3 separate fees of {$30.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in error for one check. 
I sent a letter from my bank explaining that it was a bank error that caused my check to not clear. They would still not rescind the reporting to the credit bureau. I had no other missed or late payments to Nordstrom in the history of my having an account with them. 
My account number with Nordstrom is XXXX XXXX XXXX. I have had an account since 2015. 
Their customer service number is XXXX.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, I modified my first mortgage with B of A after they assumed my XX/XX/XXXX loan. This was a painful and lengthy process that was horrible, but I had no choice. When the 1st mortgage modification was completed, I wanted to move on to modify my 2nd mortgage. My point of contact said he would start on that, and then called me to say that my former husband including this debt in his bankruptcy filing would prevent them from trying to collect the debt, so no modification was necessary. Four years later, when the values had recovered, they filed an NOD on XX/XX/XXXX when I was already in touch with them questioning the validity of the debt ( see attached ). They finally modified the loan adding $ XXXX  to the balance, so I accepted the modification and made payment in protest. I don't feel that the lender acted in good faith and in fact ripped me off.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MI)

To whom it may concern : The billing issue began with an erroneous charge by Amazon to my Amazon store credit card for Amazon Prime. I never authorized or agreed to a prime membership trial. XXXX XXXX, my father, opted into a trial, but he cancelled the prime membership before the expiration of the trial period. Same household email. I have provided email verification of the cancellation of the prime membership trial that was received and acknowledged by Amazon before the expiration of the trial period on multiple occasions. I initiated a dispute regarding the charge to my credit card back in XXXX of XXXX. I have spent numerous hours on the phone with Amazon and Synchrony bank trying to resolve this issue since XX/XX/XXXX. During this time, Synchrony back has continued to charge late fees and interest. I finally received satisfaction 17 months later by way of an email from Amazon dated XX/XX/XXXX crediting the credit card account for the prime membership charge in the amount of {$120.00}. I was told by the Amazon representative that they would be in contact with Synchrony Bank. I was advised to call Synchrony Bank just to follow-up with them, which I did do. I was told that the account correction could take XXXX billing cycles to show up on my bank statement. Any interest, penalties and fees would be credited to my credit card by Synchrony Bank leaving a zero-dollar balance. Also, I discussed that any credit bureau reporting needed to be removed and /or corrected to reflect no late payments, balance issues or a closed account that will affect my credit score. 

I received a request from Synchrony Bank requesting additional information. I faxed the information to Synchrony Bank as instructed on XX/XX/XXXX. I received an email on XX/XX/XXXX from Synchrony Bank. The email states " Hi! Thanks for working with us on your recent Amazon Store Card credit account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! '' I called Synchrony Bank on XX/XX/XXXX to confirm that this was finally resolved. I was told that the email was not generated by Synchrony Bank and that there was still a balance of {$430.00} on the account. XXXX at Synchrony Bank transferred me to a manager, XXXX and after 60 minutes she indicated that she was submitting this for further review as a " work case '' and I should hear something in 1-2 billing cycles. I have spent numerous hours trying to get this resolved. It has gone on for 19 months because Synchrony Bank is always going to make corrections in 1-2 billing cycles and then doesn't take care of it. I have spent hours of my time to correct this erroneous billing issue, late fees and interest charges and this error on Amazons part has caused unnecessary frustration for over a XXXX XXXX and it has ruined my credit. 

Thank you for your attention to this matter.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 Chase bank closed all of my credit accounts to include a personal and2 business credit cards. One of the representatives informed me it was due to my recent credit usage and lack of credit history. When I explained that my credit has not significantly changed since the first card was opened 12 months ago or in the 3 weeks since the most recent business card was opened, I was then informed that the accounts were due to information provided by law enforcement and the representative refused to provide further information. 

At the time the accounts were closed there was almost {$15000.00} in my Chase Business checking and savings account, which is enough to pay all of the chase debts in full. Within the last 60 days, I have paid down around {$5000.00} to one of my Chase cards and have grossed over {$60000.00} through my Chase business and checking accounts. There is no reasoning why Chase could assume that I would be unable or unwilling to pay any of my debts. I feel it is a violation of the CARD act of 2009 to make a significant change to a credit card account such as close the account without 45 days notice and I feel it is a further violation of the Fair Credit Act to refuse to provide a detailed reason as to why a credit account or application was denied or closed.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This Is Not A Duplicate Complaint but A NEW COMPLAINT AGAINST THE SAME BANK a purchase of {$60.00} was place on my card. However, the service repair was never done. 
The company came to my home on XX/XX/2019 and spoke with me. I explained the Ohio Gas Company had red tag my stove and what the problem was. He said he had just used his last part and return on Tuesday XX/XX/XXXX, XXXX. He never came back. 
The credit card has chose to not refund my money for services I never received. 
He was reassigned back her on XX/XX/2019 and was a no show
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mediation Recovery Center (NY)

I received a letter from a Company called Mediation Recovery Center that says that I owe a debt of {$920.00} and I can have a balance reduction of {$190.00}, and that I have until XX/XX/XXXX to pay off this debt. I asked them what Company I supposed to owe, and was told that the debt was with XXXX XXXX Master Card, and that the account was opened in XX/XX/XXXX, and the last amount paid on this card was on XX/XX/XXXX which is 12 years ago, and around that time I didn't have a credit card for XXXX XXXX. The letter states that the original creditor was XXXX acct # ( XXXX ), and when I called XXXX XXXX about this, they state that there is no account for me at that bank with this acct # under my name, and they can't find anything under my name with that bank around XX/XX/XXXX or any other time. The letter was dated XX/XX/XXXX which looks very strange, and when I called they didn't tell me that " This is an attempt to collect a debt, '' like all other Companies do when you owe a debt to a Company. I told them I wanted to look into it after I told them I would check it out, so they cancelled the payment I was suppose to make and I even made sure the amount wouldn't come out from my Bank, and they are harassing me by calling me telling me I have until XX/XX/XXXX over the phone. I believe this is a SCAM, and I hope you can help me, and have these people STOP calling me, for something I don't owe, or ever owed. I was also told by them that they found me by looking me up on my Credit Report XXXX to get my address to pay this amount. I believe it also might be Identity Theft, and trying to get me to pay for something I don't believe I owe. XXXX XXXX ( account manager ) is who the letter is from. I even asked for him and I was told he wasn't there, that they handle everything. SCAM ... .. 
Please STOP them. 

Thank You. 

XXXX XXXX.
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch (MO)

While being XXXX to help out with Hurricane Harvey. I wasnt getting paid as much since we were under state orders. Also since I was on military leave from my job I wasnt getting paid as much at all. I relayed this to the finance company everytime. They knew I was XXXX and I relayed to them that I was protected under the sailors and soldiers act. They sent correspondence to my house saying they looked up some database, that shows if youre XXXX or not. I continued to tell them they couldnt pull information like that. After picking up the vehicle, I never received any correspondence of how much they sold the vehicle for, or anything after the vehicle was picked up. I just received a bad derogatory mark on my credit report showing an amount from not even possible after having the vehicle for 5 years, and only 2 more years left to pay. This account reported has too many inaccuracies.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

This bank has discriminated against me numerous times they respond saying I cant have an account when I never had one Im avictim of identity theft their credit department told me to apply for a secured card which I have and their fraud department is very nasty to me Im tired of they esybim treated by then they refuse to process my application. And their credit department says I should build a relationship but they wont allow me this bank is crazy must be investigated they tell me to write them a letter like I have time for that to their office Of the president I wish they would contact me in regards to this this is not nice the treatment and lies of this bank they arent horibke I wish they went out of business
Consumer complaint received 2019-09-27
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-04-02
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. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX XXXX   with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (UT)

I contacted XXXX XXXX about issues with transactions not showing up on my account on XX/XX/19. There are two transactions in the amount of XXXX that I made and they dont show on the account but are included in my balance. 

I also have not received the rewards pay out for these transactions. Rewards are to be paid out daily per the terms and conditions. 

They said they should appear the next day when I spoke to them on XX/XX/19. I contacted them again on XX/XX/19 and was told it was escalated but they couldnt give me any time frame as to when it would be fixed.
Consumer complaint received 2019-09-27
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. (IL)

On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX-XXXX, FILED XX/XX/XXXX-THURSDAY, AND XXXX-XXXX, FILED XX/XX/XXXX-MONDAY ) I AM PROVIDING THE REQUESTED XXXX XXXX  STATEMENT VERIFYING THE XXXX CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XX/XX/XXXX-XX/XX/XXXX confirm the account was not frozen. More important, XXXX XXXX   does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY XXXX   ACCOUNTS ( XXXX XXXX ACCOUNT CLOSED XX/XX/XXXX-thursday, XXXX checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO XXXX XXXX AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX  HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from Ms. XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting XXXX XXXX STATEMENTS DOCUMENTING THE XXXX XXXX   CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX