davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

a copmany called Ideal collections has been trying to extort me for XXXX   this is the 3rd complaint i am filing, someone used my identuty to rent an apartment, i have proved this was fraid, i have 3 police reports over the past 6 years the company wants the police to do a fraud affidavid or pay XXXX to remove this from my credit, as it states in the attached police report i am a victim of identy theft and the police do not have a fraud affidavid for me to fill out this document does not exist in any police dept as the police so ideal collections is trying to extorant and HAS placed this item on all my reports and will not take it off even with all the identity theft reports from police and IRS i need action ASAP
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NJ)

I received XXXX phone calls today between the hours of XXXX and XXXX from Synchrony bank in regards to a debt on my account. I was not award of the debt owed as they had an old e-mail address and I elected not to receive paper payments. ( I only used the card XXXX and must have forgotten that I did not sign up for autopay on the account ). I picked up on the XXXX attempt at XXXX and paid the bill and updated my email address. When I asked if I could request not to be called as frequently next time I was told that they can not control the amount of times I am called as the account is called via an auto-dialer system. I said that it was abusive to be called this many times in one day on my cell phone. They said I could talk to customer service if I would like, but I declined the opportunity as I was hoping to present my issue here. I did not provide express prior consent to be called on my cell phone. The account was purchased by Synchrony Bank about a year ago and at that time, not request for consent to call was provided to me.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I went into XXXX XXXX XXXX XXXX ( actual location listed below ) on XX/XX/XXXXto purchase a vehicle. At the time of negotiations, the dealership was informed I already had my credit ran by my bank XXXX on XX/XX/XXXX and had pre-approval for the amount I was looking to finance so there was no need to run my credit again. During the negotiations, the dealership advised they had a partnership with my bank and asked for permission to confirm credit approval with bank which I allowed but advised they did NOT have permission to shop my credit around to seek a better deal. All parties agreed and we completed the deal. Later I started getting letters from multiple banks/finance companies advising they checked my credit for this deal and I see on my credit report multiple credit inquiries have been added. This is definitely not what we agreed on during the deal and I'm disputing these inquiries. I went back up to the dealership which advised me that all I would need to do is dispute these inquiries with the credit agencies and they would not fight that complaint.

My original approval was given by XXXX on XX/XX/XXXX but the dealership was only allowed to partner with XXXX  since I already had pre-approval with XXXX  as of XX/XX/XXXXand they were informed.

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2015-07-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

They refused to provide me with a payment ledger. They have not posted all of my payments to my account. Subsequently, my account has become default. I still have not received the documents and now they are calling me each day harassing me saying my life will be ruined if this goes any further. I offered to begin paying monthly payments of {$100.00} beginning next month but they refused.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Called Equifax on XX/XX/2022 about my score dropping 65 points from XXXX XXXX through XXXX, went from 750 to 685. I asked them the reason because on my report it had no reason. We went through my report together and both found no reason for the point drop and they said they can not fix the score. I was in the process of looking to buy a home and this happens. It is unfair that they can just drop a score by that much and have no reason behind it. 

I feel like we all work hard to have a good credit score and by doing the right thing, I feel the credit report agents Equifax should have to fix my credit score. Or be sued for such false reporting scores. we all know how a low credit score can affect rates when getting a loan. 
Im asking the CFPB to have them fix my Score or have a legit reason, and if they can not i dont believe should be in the business of reporting scores that effect everyone in the world.
Consumer complaint received 2016-05-12
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I was in a repayment plan for past due taxes on my reverse mortgage with XXXX Mortgage. When the servicer changed to Champion Mortgage, I even increased the monthly amount and then was told, after having made XXXX payments, that they would no longer be accepting my payments. Subsequently, I was unjustly forced into default and served with foreclosure papers. I am now being told that they can not offer a repayment plan because the loan is in default. In addition, after having sent proof that I have been paying the homeowner 's property insurance, they continue to this day to state that I defaulted on the insurance payments and they have been adding the amounts to my loan balance, which is completely inaccurate. I am currently working with XXXX XXXXXXXXForeclosure Prevention Counselor who works for XXXXcertified agency.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}.
Consumer complaint received 2021-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated me.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (RI)

In XXXX 2014 I was the victim of credit card fraud XXXX. XXXX my cards were impacted by this fraud, which was reported to the XXXX Police with the assistance XXXX. XXXX of my credit card companies accepted the fraud complaint ( XXXX XXXX ) and the other denied the fraud claim, and is now essentially engaged in loan-sharking, since it paid the merchant guilty of fraud, and is now coming after me for the fraudulent bill. This company is Barclays, which issues the XXXX XXXX XXXX.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This complaint has to do with an auto loan through Bank of America. On XX/XX/2021 we paid off our auto loan due to Bank of American in the amount of {$2800.00}. Bank of America also deducted our auto payment on the loan the same day in the amount of {$360.00}. A paper check was issued in the amount of {$370.00}. On XX/XX/2021 our account became overdrawn because Bank of American withdrew another {$370.00} for the auto loan which was paid off in XXXX. After a phone call the money was electronically returned on XX/XX/2021 and we were told the electronic payment was turned off. On XX/XX/2021 Bank of America has again taken {$370.00} from our account. We no longer have a loan and therefore do not owe the bank any money. The bank is now holding our money claiming that the burden of proof is on us to demonstrate we have not received the money. We can not get them to release the funds back to us or agree to repay the money. We have no account with them whatsoever and they have illegally taken money from our account. We need assistance.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Several letters were written to XXXX to VALIDATE a debt reported by XXXX XXXX as well as several hard inquiries to my credit report due to identity theft. XXXXXXXX XXXX was never validated so needs to be removed. It was removed XX/XX/XXXXbut then re-inserted without a 5 day written notice. I've never received a validated contract with my signature nor have I received a detailed bill validating the charges. This is violation of my consumer rights under the FCRA.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I sent in a XXXX dollar check for a lump sum payment to be applied to the principal only not the intrest and I wrote this on the check. Now that I am refinancing they told me that I do n't have to make a payment until XX/XX/XXXX but when I refinance I should not loose the XXXX dollars I put down.
Consumer complaint received 2017-02-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Sent the below to Senior Executives of Wells Fargo Bank, and this is a cc to you, CFPB. Thank you for helping us. 

We will continue our efforts to connect with Wells Fargo 's senior management to communicate the following : 1. We 've been trying to have Wells Fargo review the foreclosure/modification of our loans for many years, to no avail. 
Multiple QWR 's have been ignored. We 're still waiting for complete copies of our loan documents for both loans that we are legally entitled to ; most importantly, copies of the governing documents for XXXX ( i.e. XXXX XXXX XXXX by-laws, article, budget, minutes of homeowners meeting, etc., etc. ) which a group of XXXX loan agents had approved and the XXXX loans that were underwritten by XXXX XXXX. 
2. Investigation and review of such egregious violations may lead to identifying individuals that are breaking the laws for their personal gain, in particular, through their relationship with XXXX. 
We look forward to hearing from someone in senior management and/or someone from Wells ' Legal department.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OR)

Specialized Loan Servicing has been very difficult to work with. Please see attached dispute letter. Lack communication unless it suits them. Refused to assist me, forcing me into Foreclosure when it was not necessary. They refused my cash payment that I was told were certified funds, but then refused to tell me they refused the payment, instead blaming it on the vendor that sent the funds and giving me the run around only to tell me there was nothing I could do but lose my home. They transfer you over and over so you get so frustrated you just hang up.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NV)

I purchased furniture in XXXX. They delayed a portion of my furniture which caused me to want to cancel my order. In order to keep my business, they discounted my purchase and I took the portion that was available with me. The portion that came with me did not fit so I returned it a day later and was refunded the amount. The discount never reflected on the credit card while the return did, so even when I finished paying my card off and closed it out, they still show a balance and I am getting late charges.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I mailed in letters before XX/XX/2021 asking XXXX, Transunion and XXXX who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to XXXX, Transunion and XXXX showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be removed.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc. (TX)

I submitted a debt validation to this company under the Texas Finance code Section 392.202 which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent me a claims form and a old copy of the least. Per law this is to be removed from my credit report immediately. The company unlawfully started to resend collection letters after knowingly, not providing adequate information under the Texas Finance Code. I faxed the company notice that it is to be removed per law and collection to cease. However, they have not done so and have received no communication. 

The information that was to be verified is as followed per Texas Finance Code Section 392.202 : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/XXXX, I submit a complaint [ XXXX number : XXXX ] about Wells Fargo Unfair banking practices that included no notification regarding issues about banking practices after being a XXXX year customer. I received a response thru your bureau on Tue, XX/XX/XXXX. They admitted their was a misunderstanding that old practices have changed regarding accepting checks made out to " Pay to the order of '' made out on back of Government checks. I was never notified until they closed my account, took my money, was blacklisted for every bank in my area and I received threatening phone calls from XXXX of their representatives. Now it 's XX/XX/XXXX, I get a bill in the form of a XX/XX/XXXX XXXX for the suppose debt related to this misunderstanding, whereby, I never received any money but I did lose money. This claim is incorrect since I did not received any income related to this discharge of debt related to their error. They may have but I did not. I hope your bureau can make Wells Fargo understand that if early notification related to these transactions had been made, I could have corrected the behavior & requested a personal check rather than on the back. I guess as punishment for their mistake, I must pay more in taxes for something I did not get appears fair to Wells Fargo.
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (MO)

I made a credit card payment for XXXX and Synchrony Financial received it on the last day of their XXXX cycle ( I made an early payment ) and they now say I did n't make a XXXX payment at all and they are charging me " late payment '' fees and my minimum payment has gone from {$67.00} to {$160.00}. I have contacted them XXXX times in the last XXXX days and they removed XXXX late fee and said that is all they can do. So my minimum payment went from {$200.00} to {$160.00}. This is all because they received an early payment.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I Sent my letter off on ( date ). I requested that the credit agencies to " investigate this information thoroughly '' on the accounts I have listed below.

Also I have attached the letter I sent out and here is the According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who

may have knowledge concerning any such items of information. They stated my account ( s
) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurately .According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Ive marked the inaccuracies with my included credit report.
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

there is an unauthorized transaction in my Paypal Credit XXXX x repeat transaction I disputed this to Paypal they investigate it was made through Paypal account through eBay. I called eBay too to report the person who said I sent money to him for XXXX in one day that is fraud I NEVER NEVER purchase nor pay a person with out an item in return. eBay must also check the credibility of their members hope they will make action to this wrong doing. Please help.