davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

I had recently paid off all of my credit cards, including my XXXX XXXX XXXX through synchrony onXX/XX/XXXX, and a month ( XX/XX/XXXX ) after my payment in full was processed synchrony " randomly '' closed my XXXX XXXX XXXX causing my score to drop significantly, I called synchrony they told me the decision was random and made onXX/XX/XXXX because of inactivity, but thats not true, i used the card on XX/XX/XXXX and just now finalized it on XX/XX/XXXX I explained to them that I am in the process of purchasing a home, that's why I paid them in full so it doesn't affect my process for purchasing a home, they pretty much said tough luck nothing we can do for you. It is not right that they can try to mess with someone like that and seeing that them closing this account dropped my score by 38 points, I'm worried that it might alarm my lender for my mortgage all thanks to synchrony doing this stuff behind the scenes and not contacting me.
Consumer complaint received 2021-09-03
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 am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. Attached to this complaint is a copy of the letters that I have sent to each bureau without response.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COAST PROFESSIONAL INC (CA)

I keep getting letters from dept of education stating i took out a loan to a school in arizona i never went to ... .never applied to an never heard of before. I graduated from XXXX.College in 1992 I completed the XXXX programme.this school would not have helped me at all in my career. I have dealt with this issue before as i have had my taxable earnings held back from me before. ..I thought this issue was resolved but now ive lost my tax return again.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I noticed an unauthorized inquiry from Net Credit bank on XX/XX/XXXX I called both Transunion and XXXX XXXX. I submitted my police report and ID. I called XXXX weeks later and XXXX XXXX is telling me it should be removed they let Transunion know but Transunion says they never got a letter from them.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (PA)

My current lender Quicken Loans is consistently calling me or emailing me with " money saving '' opportunities. In the beginning of XX/XX/XXXX a rep named XXXX called me and we briefly discussed these " potential '' savings. At no time was a verbal authorization given to run a credit inquiry for me. XXXX stated he was going to talk to his team leader to see what options we would have for me being that I am such a " great '' customer. I was then alerted that my credit report was ran for a hard hit. I then emailed XXXX stating that I did not authorize this inquiry. XXXX then apologized for doing so and I asked to speak to a manger. The manager named XXXX ( last name unknown ) stated that he listens to the calls and stated there was " permissible '' authority granted which was not the case. Quicken loans misleads their clients stating that they can save you money only to find out they can not and " you are in the best position right now ''.
Consumer complaint received 2021-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (SD)

We placed our mortgage in forebearance back in XXXX, XXXX. Upon the six month forebearance expiry date in XX/XX/XXXX, I contacted the company, HomeLoanServ a.k.a. Idaho Housing to take our loan out of forebearance in order to resume payments. They said they would send paperwork and we were to wait for a call from their traveling Notary Public. The call never came. The HomeLoanServ company sent us paperwork that we filled out and sent back which included a request for past tax returns, and two months of pay stubs, which we provided. Then they sent another letter stating we missed two weeks of pay stubs and we had 4 days only to get the documents to them, or the deal was off. Well, that was XXXX of XXXX. I called them in XXXX and they said that we weren't eligible to exit the forebearance ( which was false ), and that they had sent us paperwork for a loan modification. Well, we were already in process, they said it would be 30-45 days from the XXXX date that they would call and notify us of our options to begin repayment on our mortgage. I called them at the end of XXXX, and 5 times last week, and 2 times earlier this week. Different agents tell us different stories. My favorite one is that we must have been confused because we are eligible to resume payments by placing the forebearance debt onto the end of the loan. Ok, well, we are supposedly near the end of the loan modification process so we thought it would be wise to wait and find out what all the options are before making a decision. According to HomeLoanServ assigned agent, they only have one person authorized to sign off on loan modification applications and she has hundreds of them outstanding. Well, it's the end of XX/XX/XXXX. HomeLoanServ blew past thirty days, forty-five days and now it's more than 60 days and still no information. We are down to one vehicle for the family and we can't apply for a new auto loan to purchase another vehicle until we know what our house payment is supposed to be. We are growing tired of all the excuses and procrastination and false and misleading information coming from HomeLoanServ and desire a speedy resolution.
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kimball, Tirey & St. John LLP (CA)

In XXXX Kimball, Tirey, & St. John sent a process server early in the morning, to my Employers private home in order to serve me paperwork to pay for an 8 year past debt owed to an apartment property management company named XXXX XXXX XXXX in XXXX XXXX, Ca. I lost my job because of that. They had also called my place of employment threatening me. On XX/XX/XXXX Kimball, Tirey & St. John posted an illlegal 3 day notice on my door during the moratorium in retaliation of the current property management I am renting from which is XXXX XXXX XXXX dba XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I had also been in contact with the property management before leaving for XXXX XXXX due to the XXXX Ive been dealing with at home. XXXX XXXX XXXX knew I wasnt going to be home as we had already set up an agreement via email. I contacted property management and they stated they knew nothing of the notice posted on my door by Kimball, Tirey & St. John. I have repeatedly illegally received 3 day notices to enter the premises as well for supposedly abandoning my apartment which I never have. They illegally entered my apartment and after that I had missing property. I filed a police report with the XXXX police department for theft of my XXXX package and wedding ring.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I was emailed a {$300.00} American Express ( AE ) gift card on XX/XX/XXXX. The AE email instructed to click the blue bar to access the needed info to use the gift card - the page that loaded did not give me the info I needed to use the card : rather, it asked for the info I needed to access the card. On XX/XX/XXXX, I called AE and was told to fix my computer and download XXXX, and that they would not mail the card to my address as I requested. On XX/XX/XXXX, XXXX XXXX sent a no reply email to contact her at XXXX or supply her my phone number - I sent her my phone number on XX/XX/XXXX. Ms. XXXX called and held the company line and further refused to mail the card to my address. AE still has my {$300.00} card ( and, how many other gift cards are they holding for ill-gotten gain ). I had no problem with an online XXXX gift card.
Consumer complaint received 2022-09-08
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. (NC)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022
Consumer complaint received 2018-03-22
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. (CA)

When I first found out that XXXX XXXX was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed Experian that they were in violation due to the reinsertion. Experian was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my Experian report ; and once again after sending another request for validation they removed. 

To my surprise, XXXX XXXX has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! Experian is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that XXXX XXXX was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (UT)

Thursday XX/XX/2024 XXXXXXXX XXXX $ XXXXdeclined/. Amount available to spend : {$77.00} The reason for the decline : for my protection. 
Action taken by me : requested the purchase be approved multiple times. 

Me : Hi I'm getting declined Me : Unusual activity Me : Remove the hold XXXX  : Hi XXXX, okay. You can dispute the purchase from this link. 

XXXX : Dispute a purchase XXXX  : Tap to get started Me : No dispute Me : Remove the hold XXXX  : If you haven't already, starting a dispute for this purchase is the best and fastest way to get it reviewed XXXX  : Dispute a purchase Tap to get started Please note, if the purchase is still pending, you can only dispute it once the purchase has settled. 

Me : I'm not disputing Me : Remove the hold XXXX : I'll get you to someone who can help. It may take a few minutes, but you don't have to wait. We'll notify you when they reply. 

Me : Hey XXXX I don't have a minute I'm at the register XXXX leaves- -Advocate enters- Advocate : Hello XXXX! XXXX here! I would be more than willing to look into this, give me a few minutes while I review your account. 

Me : Thank you -10 minutes passes- Me : XXXX !? 

Advocate : I'm still checking your case. I really appreciate your patience, allow me a few more minutes. 

Me : I didn't have a problem with my account yesterday Advocate : I understand you're upset and I do want to help you with getting this taken care of. Our team has a zero tolerance policy when it comes to abusive language. If you continue using this language I won't be able to continue assisting you. 

Me : it was the chat bot Me : You just hurry up Me : Hello Advocate : I believe this is going to take a few more minutes than expected. Thank you for your patience while we are working on this. 

Me : XXXX this is absurd Me : What unusual activity is your buisiness? 

Me : Not any more Advocate : I'll reach out directly to our specialty team so they can help you with this. What's a good email address to reach you at? 

Me : Don't have time for this I'm going to try one more time then your fired Advocate : Give me a moment while I check on this, please. 

Me : You see how your employees bait me to swear!? 

Me : I'm not amused at all
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Halsted Financial Services, LLC. (IN)

I called offering a settlement amount, and while my offer was turned down, I was also informed that federal law prohibits them from accepting less than 50 % of the total amount to be considered as full satisfaction of the debt. As I knew this was not true, I identified it as a lie, after which the representative refused to allow me to speak.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
Consumer complaint received 2017-08-30
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: EQUIFAX, INC. (IL)

I.have some hard inquiries on my credit report I have no knowledge of, contacted XXXX to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXXXX/XX/XXXX( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX XX/XX/XXXX (
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (OH)

I sent a XXXX $ payment thru cash app to some one and the funds were pulled from my attached bank account which was XXXX the transaction never even showed up on my XXXX account the person recieving the funds refunded them which shows on my cash app transactions. The money has never been refunded. I have asked both cash app and XXXX for a explanation which XXXX says I never sent the XXXX $ payment that I am lying and I asked them for supervisor or email to send proof of the transaction they refused to let me speak to one and cash app says the payment failed which is not possible or the person who received the money wouldn't be able to refund the money to me. 

Also on same day different phone call I had XXXX pending refunds showing on my XXXX account for XXXX $ each I called talked to a supervisor and asked specifically how many pending refunds do i have he sai XXXX for XXXX $ each I said ok there's XXXX refunds pending for XXXX $ each totaling XXXX $ correct he said yes. Then the transactions disappeared from my account. I was also told they didn't exist and that I was lying I said these phone calls are recorded correct can u go back and listen to what the supervisor said? They said no!
Consumer complaint received 2021-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, XXXX XXXX and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEMENT claims that I owe a debt to them. They are a collection agency. I asked them in writing to verify the debt with the original documents that prove my involvement with the debt. They have not furnished such information. Given 611 of the FCRA, they have a responsibility to verify any debts they claim to own the rights to. If they can not? They are legally required to cease reporting the debt. They have not. I'm asking that the debt be removed from my credit profile.
Consumer complaint received 2017-04-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On the date of XX/XX/2017 I sent out a payment in the form of a money order in means to make payment to a past due car loan balance. Only to discover that my money order was disregarded they stated it did not have my account number on it so it was not able to be processed. USAA then proceed to repose my car, deny having received the money order in the first place this spat lasted all of four days from customer service all the way up to management in that department. They took my car XX/XX/2017 and then sent me my money order back that following Monday XX/XX/2017 along with a letter dated XX/XX/2017 which stated the reason it could not be processed ( money order ) but when I looked at the money order I notice that someone from the bank forged my account number onto the money order. If they can write the account number on the money order then they can also process it into my account as it was intended to do in the first place right? I smell a rat!!! this feels personal not business. So now I can not enroll in school and my transportation is limited due to some ones personal attack on my life at USAA. I file this complaint to find out what legal actions can be pursued I do not believe it is legal to forge my information on to a money order that you did n't process because the lack of having that information on it.
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

Approached the company several times and was told I would have to pay additional money towards the principal in addition to the regular payment if I wanted more to go towards paying the loan off. Of {$650.00} they credit only {$26.00} a payment to the principal. In other words I will never pay them off. OneMain Financial is the company. They hold my vehicle title also. 
They use an interest bearing account as ploy.