davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted XXXX from XX/XX/XXXX to current date pertaining to inaccurate information on Transunion and XXXX reports. Also contacted Transunion and XXXX   regarding issues but they refuse to correct eventhough I have provided documentation. 
XXXX per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by XXXX to me pertaining new agreement but when I contacted XXXX pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
XXXX refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE Transunion and XXXX refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due XX/XX/XXXX.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

The original creditor account was opened XX/XX/XXXX which was Belks/Synchrony Bank. The debt was charged off. They have the wrong information. The debt was sold to XXXX XXXX and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with XXXX XXXX to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.
Consumer complaint received 2022-03-30
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. (FL)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO XXXX5 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

XX/XX/2018- Convergent sent a letter alleging that I owed them a debt. 
XX/XX/2018- I responded to Convergent disputing the validity, legal authority and requesting an original contract between myself and Convergent. 
XX/XX/2018- Convergent sent a letter simply stating that such debt was valid. 
XX/XX/2018- I sent another letter to Convergent once again disputing the validity and legal authority of them to assert such a claim.
Consumer complaint received 2018-11-06
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: HSBC NORTH AMERICA HOLDINGS INC. (TN)

a payment i made and processed on XX/XX/2018 of {$200.00} has not been credited to my credit card account by XXXX XXXX XXXX.Got response letter to letter i sent HSBC on XX/XX/2018.HSBC responded XX/XX/2018 from hsbc with no person name, title or direct phone number.XXXX XXXX is very unprofessional in handling of this matter and i need you help to correct problem
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

I have a mortgage loan with the PHH mortgage Corporation, their payment processing center is based in XXXX, PA. Their mailing address is PHH Mortgage Corporation , Mortgage Services Center , XXXX. XXXX XXXX, XXXX, PA XXXX. The problem is this I have been sending my payments each month in the form of money orders to this address and it always reached on time for the XXXX of each month and even before that. Recently as far back as XXXX, 2018, they started sending me late payment notices stating that my mortgage payment was late, and imposed a fee of {$31.00}, whenever they claimed it was late. However, I send in my mortgage payment by theXXXX of the previous month for the next month to ensure that it is on time. E.g. on XX/XX/2018, I mailed the payment from my neighborhood in XXXX, N.Y., for XX/XX/2018. I went to my post office to find out how long it takes for a letter to reach Pennsylvania from XXXX, N.Y., the clerk told me it takes 2-3 days for the most, and look how many days in advance I have mailed the payment. Also I include {$20000.00} extra each month to lower the principle, so I believe they are deliberately holding back my payments to give me a late charge! In previous times, they have taken
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keynote Consulting, Inc. (FL)

Keynote Consulting is attempting to collect a debt that is not owed for XXXX XXXX, whom I am also filing a complaint against. In XX/XX/XXXX, Keynote Consulting had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of XXXX XXXX for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the XXXX payments on an item that was not only paid off, but also returned. Not only was the original account with XXXX XXXX closed in XX/XX/XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Company does not send bills or any account notifications. 

Arbitrarily lock and restrict card usage when there is no balance owed. 

Customer service has hung up on me multiple times when calling to fix issues with the card, which is usually multiple times a month. The times that I have been on the phone with them they either barely speak english, or are extremely rude and unhelpful. 

Frequently, the company will take a balance payment and leave card locked for 2-3 weeks. Calling them has had the hold removed immediately every time. 

This company is predatory and needs to be dealt with for the protection of the people that the CFPB is obligated to protect.
Consumer complaint received 2019-08-31
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. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX HARD INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX XXXX XXXX   XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-31
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)

I have incorrect information on my credit file as a result of identity theft : XXXX HARD INQUIRIES : - XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX   XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX TRANSUNION HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

XXXX Chase credit card sent me a credit card without me requesting the card. 
They began to charge the card for XXXX XXXX membership. They charge me twice {$13.00} in XX/XX/2818 & XX/XX/2018. I called them about 2 weeks ago to complaint, I was connected to some one working in XXXX XXXX. I told the person that I never signed up a membership with XXXX XXXX and to returned the credit back to me. I also told him to cancel the credit card that I never requested. 
I was able to log in today to the credit card ending in # XXXX, apparently they are continuing to charge me for the same charges. 
I do not want to have a credit card with XXXX. I will contact them again to end my relationship with XXXX XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, on XX/XX/2023 I applied for a credit card application XXXX due to Capital One pre approval advertising and I was given good news stating I was pre approved for XXXX different cards so I decided to apply based off the good news Capital One stated and was denied. I was mislead and did some research and Capital One is already facing a class action for " Dark Patterns '' in the state of New Jersey case # XXXX. I have met all the Capital One requirements and I already have a Quicksilver card in perfect standings with a XXXX credit line and have excellent credit based off the three credit bureaus in the United States. This has affected my credit report in negative way and has caused unnecessary stress.
Consumer complaint received 2023-03-29
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. (RI)

I discovered that the same account on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the inaccurate account that needs to be investigated and updated : XXXX XXXX XXXX : {$160000.00}
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (GA)

On XXXX XXXX XXXX  OneMain Financial received my letter of debt valadition via mail. I received in return an non-completed copy of a loan agreement. This agreement doesnt have any physical signatures of any party stating that this agreement is valid. 

Contract : an agreement with specific terms between two or more persons or entities in which there is a promise to do something in return for a valuable benefit known as consideration Each page will show either blank or N/A for the section of the loan agreement 15 U.S. Code 1692c - Communication in connection with debt collection Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Hi In XX/XX/2011 I telephoned Chase Bank to cancel my XXXX XXXX XXXX XXXX credit card which was accepted. As with all my credit cards I have auto pay, to automatically pay the balance in full every month. My accountant just realized that for the last 7 yrs they have been charging me a {$60.00} annual fee, even though I canceled the card, made no purchases, made no inquiries, never logged in, or even possessed a valid credit card or activating one for the last 7 years. I do not understand how they can justify charging me when I didn't even possess a valid credit card. Every 2 years it expired, and not once in the last 7 years did I receive a new one as was customary or activate it. To verify, I logged into my account recently and got the last 7 years of statements, only one per year the XXXX  annual fee one. Chase did confirm they are now closing my account but will not refund the annual because of time lapse. My credit and credit history is spotless which is easily verified. I take this sort of injustice seriously. 
Thank you in advance for your assistance. 
XXXX
Consumer complaint received 2018-11-06
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. (FL)

have identified likely malicious and certain unproven complaints reported personal identifying information on my credit file. I am within my federal and state consumer and or civil right to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 section 151 the ambiguously obliges a recount all of the motis operandi used by your agency in the pic here a minute this these alleged it yet unproven true, correct, complete, much less compliance items of personal identifier information that I believe is possibly incorrect, including this was obtained by third-party information trafficker and soul to your firm. I have enclosed copies of my state issued identification and Social Security card to validate my identity. I believe it is false and misleading information that you are reporting is likely directing resulting in or will in the future results and incorrect account mergers on my credit file and that this is injuries to my credit Health and credit wealth. The following reporting derogatory allegations of information or either untrue, incorrect, and complete, and timely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standard and must be eradicated immediately, do so today, even right now! The obvious and fractions are as follows : Please delete this erroneous information immediately! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Personal Statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. XXXX XXXX Inquired on XX/XX/2018
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (KS)

The title company informed me that Roundpoint Mortgage, XXXX XXXX XXXX XXXX, North Carolina XXXX had 30 days to return my escrow. They took out another payment after closing on XX/XX/XXXX. I received the escrow amount of {$1600.00} today, XXXX XXXX. But they did not include any penalty for over 70 days in making the payment. I requested the penalty a month ago by phone and e-mail.
Consumer complaint received 2022-03-30
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. (FL)

XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.
Consumer complaint received 2018-11-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Quicken Loans holds my home mortgage ( VA ) - on XX/XX/XXXX I had solar panels installed using a separate loan company. I contacted Quicken loans to see about combining the solar loan with my home loan to have one payment. Instead of doing what I requested they took it upon themselves to determine my escrow would be short {$1800.00} - even though I've check with the appraisal company and they have not increased my taxes. QL is now requiring me to pay and addition {$1800.00} in addition to my normal taxes without any documentation from the tax office. I applied for the Home Solar tax exception which I will hear back from in XX/XX/XXXX. However QL will not drop the increase on my home escrow until XX/XX/2019 IF i get the exemption. I'm curious how they can tax me when the appraisal district has not done so. Is this not taxation without representation?? I'm furious and have talked to several people only to get upset by them more and more. The last person said my only other option is to pay my taxes myself - after I get a XXXX balance with QL. I just want them to drop the solar tax increase, because they have no right to guess - especially when the panels were installed ( but not operating on XX/XX/XXXX ) and their site says they evaluate escrow in XX/XX/XXXX. They received my solar documents because I requested a combined loan - but they never bothered to do estimate the combined loan. I want them to drop the increase they are demanding I start paying on my XX/XX/XXXX payment.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (OH)

I am a cosigner for Sallie Mae loans for XXXX sons, XXXX in college and XXXX graduated. I am paying the loans online monthly manually. I routinely pay them at the same time together. I pay them from the same personal checking account. The past few months, one of the payments is always rejected, the one that I make last. I have called customer service on multiple occasions and they refuse to help. They can not explain and they refuse to allow me to speak to anyone else. My bank is not rejecting the payments and in fact is not receiving the second payment withdraw request. I normally have a balance of several thousand dollars so there is never a low balance issue.