davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc. (TX)

This company has sent several individuals to show up at my house on a daily basis. They give out information about the debt to other people that are not me in order to embarrass me to pay. This harassment has been going on for month. I also get daily calls from different numbers and they never state who they are in voicemails. Once i return that call they tell me who they are and are very hostile.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

Related to Report : XXXX. 

1. Letter was never received. 
2. The addresses provided were not my addresses but for a person with a like name with the last four XXXX which is the reason I have requested a copy of the original contract or E- Signature. Person with the same name lived at the addresses in question. Further, all the documents provided, the company has not provided ONE signature on ANY one document. Without an electronic signature or valid signature, can't verify or validate the account is fraudulent. They are only providing my SSN. I have a fraud alert on my files on each credit reporting agency. Currently, XXXX  and XXXX have deleted the files. 

3. Synchrony Bank is a financial institution and under Section 312 of the USA Patriot Act,  must maintain and verify account information to include electronic signatures forms - the company agrees it has no forms. 

4. Contacted XXXX XXXX XXXX by certified mail and requested signed documentation in accordance with FCRA. Company stated they would request information from Original Creditor which company states it doesn't have. This is the second company who has contacted me regarding the same account.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Texas Guaranteed (TX)

I hav tried to repay the student loan on numerous occasions. The beginning loan totaled {$45000.00}, now they are asking {$78000.00}. I don't have kind of money, I'm on a small budget, I'm a XXXX   XXXX XXXX  widow since XXXX with no benefits. My complaint is the amount of the increase, the problems with lenders & servicers &  how many times this loan have been sold. First it was XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, now XXXX. I was scammed, XX/XX/XXXX by XXXX XXXX, ID # XXXX, @ XXXX XXXX so he said. The amount then XXXX said was {$47000.00}. XXXX said if I paid 3 payments : on XX/XX/XXXX, {$290.00} @ # @ XXXX ; XX/XX/XXXX, XXXX- {$290.00}, @ # XXXX, then XX/XX/XXXX, {$290.00} @ # XXXX. The phones numbers was where I could call if I could not make the payment. XXXX XXXX said, " after you make these 3 payments the remainder of the loan would be forgiven. After calling and no response. On Friday, XX/XX/XXXX @ XXXX XXXX   I received a call from XXXX XXXX  XXXX ( XXXX ) XXXX XXXX, then XXXX @ XXXX XXXX, said '' if I complete a 5 month payment plan of {$86.00}, then they would set me up on a repayment plan. '' I paid it, & I heard nothing until I received a call from XXXX, ( XXXX ) acct # XXXXsaying my account had been sold to XXXX  ( again ) is what the message said. Then I received a call from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) @ XXXX for a reduce or forgiveness Program. The message said to call ( XXXX ) from XXXX XXXX @ XXXX, REF. # XXXX then another call from ( XXXX ) from XXXX, REF. # XXXX to get a certification form loan forgiveness. I've received calls, text and emails. I don't know who to trust & it is so confusing that no one have a record of the money I have already paid. I received a letter from XXXX dated XX/XX/XXXX, that the current principal student loan is {$60000.00}, acct # XXXX. I have called or answered calls, when I give my name and acct. #, then you ask for my SS #, If you call me you should already have the rest, because I don't know if it is another scam. 
I've had problems dealing with lenders/servicers, lowering my payments, promising a forgiveness, & scams. I received a letter dated XX/XX/XXXX for Notice of Data Breach from XXXX, that happened between XX/XX/XXXX and XX/XX/XXXX. I was also notified 3 years ago for Notice of Data Breach. I don't know who to trust, but XXXX. This is very stressful, because of all the misleading and untrustworthiness.
Consumer complaint received 2022-10-06
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. (PA)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Someone is using my personal information without my authorization. In XX/XX/2015 while working out at the park my purse was stolen with my personal information inside of it. Someone broke my window and stole my purse. While trying to apply for a credit card I checked my report and discovered that there were accounts on my credit report that does not belong to me and were not authorized by me credit cards, auto loans, and car insurance. All of the inaccurate accounts were deleted from my credit report except XXXX XXXX XXXX  which needs to be deleted asap as well because that account does not belong to me.
Consumer complaint received 2018-06-26
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. (IL)

I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them removed.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (IL)

Barclays Bank had me on a payment plan that ended, and when it did I had a significant increase in medical bills that made it even more difficult to meet monthly payments. I missed one month and they dropped the payment plan and refused to work with me on creating a new one, and increased my minimum payment from {$220.00} to nearly {$1000.00}, which is impossible for me to pay with thousands of dollars of medical costs. I called every month to try to work with them and was told " there is nothing we can do until you pay ''. I was now sent to collections for a XXXX XXXX  that I can not pay. I also have a {$220.00} scheduled payment through Barclays that I can not cancel online and the call representative told me to talk to XXXXXXXX XXXX XXXX XXXX XXXX even though the payment is scheduled through Barclays. It is very upsetting to be sent to collections despite being in constant contact with them and telling them that I am struggling financially. Also, they called constantly and I answered every time but the line dropped. I want to be able to pay my debt, I just need patience getting there and they were not willing to work with me at all.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have 2 accounts with XXXX XXXX ... I haven't used either account in over 3 years. I was called in XX/XX/2017 and told the account would be at a XXXX balance if I paid half and they credited half, I paid and was told they were paid off, I never received a bill and am not told that they accounts have a combined balance of almost {$1000.00}. I want these interest charges and late fees to be credited. I also want the late payments noted on my credit report to be removed as well.They call me every few months for a payment to show my account is still active and I pay because I don't want my credit destroyed but this isn't fair and my accounts should be credited in full
Consumer complaint received 2018-06-26
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. (CA)

On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX sent me an email stating their investigation did not fix the error on my credit report because XXXX and Equifax companies that reported the information to them was certified. No other explanation was given.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

On my Equifax report it shows that a bankruptcy was filed on XX/XX/2021. This is incorrect reporting. And i want this removed immediately. I did not file for bankruptcy on XX/XX/2021.
Consumer complaint received 2019-07-22
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. (MO)

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2016-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (UT)

XXXX used to manage my student loans. I had my student loans deferred throughout that period because of hardship and XXXX approved them. My student loans are now managed by XXXX XXXX. Sallie Mae has reported my account to the credit bureaus as negative. This is not a fair practice and has to be corrected or deleted from my credit file
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc. (KS)

This certain collection agency is reporting the same collection twice on my credit as a collection. It is for the same account in the same collection agency, but I only owe half of the amount. I have tried to call and settle this account many times but they will not work with me unless I pay both accounts this has been affecting my credit for over a year and I am not sure what else to do. I have also tried to dispute it in the past, but it didnt get fixed.
Consumer complaint received 2019-07-22
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: SYNCHRONY FINANCIAL (FL)

A bad actor used our stolen identities to obtain four credit cards : two in my name and two in my wifes name. Synchrony Bank received our real names and phone number on the fraudulent application. Because I am the only person on the planet with my name and my wife is the only person on the planet with her name, Synchrony Bank could have found us with a two-minute internet search. But thats beside the point. They already HAD our contact information. Had they contacted us the fraud would have been prevented. Instead we got stuck cleaning up the mess when the bad guy went on a spending spree and burned countless merchants. 
Synchrony Bank has taken no responsibility for failing to do its due diligence to ensure that the applications were legitimate. I think its criminal that banks are held harmless when they fail to verify who a credit applicant is.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A 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 2019-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In 2014, I had an auto loan go into default with Credit Acceptance. The loan was closed, and charged off in XXXX of 2014. Even though the account was closed five years ago, Credit Acceptance continues to report this account as an open account that is past due.
Consumer complaint received 2018-06-26
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. (CA)

On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX  sent me an email stating their investigation did not fix the error on my credit report because TransUnion and XXXX  companies that reported the information to them was certified. No other explanation was given.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent charge on my account of {$300.00}. {$140.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140.00} -This is not my account.
Consumer complaint received 2021-03-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP. (NY)

I received a solicitation by mail on XX/XX/2021 which stated in bold print '' EXPIRATION NOTICE '' on an FHA loan with XX/XX/XXXX. Please note that I do not have a mortgage with this company, nor are they a servicing agent for the mortgagee of the only mortgage loan I have on my primary residence, which is with XX/XX/XXXX. In this solicitation it states the following : " FHA Guidelines require a waiting period in XXXX XXXX, NY to access certain options through your FHA loan ''. It further states : " Our review has indicated that your waiting period has been marked as expired as of XX/XX/2021 and that you have not accessed your equity reserved of $ XXXX XXXX I delete the amount because I consider this to be private, yet it was shown in the solicitation ) or other loan options. Please call our Program Customer Support Representatives at XXXX by XX/XX/2021 to receive a detailed explanation of the options available t and how to access them. '' The remainder of the letter provides the contact information, as well as a notice that this is a third party offer from XXXX XXXX and is not approved nor affiliated with my current lender, FHA< HUD, or any other governmental agency. 

While this is an solicitation that is allowable by law my problem with it is that is states, at the top of the notice, that it is a " Expiration Notice '' which, in the body of the notice/solicitation, refers to my FHA loan ; however, it has nothing to do with my current mortgage.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within 180 days weve past that by 100 days, its affected my score every month within the 100 days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THE ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS 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 2019-07-22
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. (OH)

My fico score dropped 16 points from one month to the next for apparent reason. I spoke with a supervisor, XXXX at extension XXXX, who good not give a reason for the drop and suggested a contact a legal advisor. There has been no negative information on my report for over 3yrs. I took a hit on my score at that time. Since that time my score continually increased because all payments were on time. Nothing negative, and no changes to my credit and yet my scores goes down??? They opened a case,XXXX and then closed the case with no resolution. It is not right these reporting bureaus can make changes to your score with no reason behind it and do not have anyone to answer to for it. There is no recourse the consumer they are reporting on can take.
Consumer complaint received 2019-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (SC)

I have contacted the medical transportation company who originated this bill as well as attempted to collect information from the collection for two years over 7 times. This debt is not mine and there has been no attempt on either parties side to rectify or remove.