davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NJ)

My monthly payment amount changed on at least two separate occasions, one of which I was not sent prior notification of the change. I was sent correspondence on XXXX/XXXX/XXXX that notified me that my new monthly payment increased to {$1100.00} after review of my loans. I made the aforementioned payment for the month of XXXX XXXX. However, I recently reviewed my loan status and the new monthly payment was now {$1200.00} which is due in XXXX XXXX. I was not sent prior notification of the new monthly payment amount. I contacted the loan servicer and was informed that they will send it to their account department for review. This is not the first time that a change in my monthly payment has occurred without prior notification. Another incident like this occurred last XXXX XXXX and there was no change in interest rates nor do I have any delinquent loans. I currently have an extended repayment plan which should not have variability in payment amounts unless changes were made, which I did not make any changes in XXXX and there were no interest rate changes in any of my loans. I am very concerned about these sudden changes in loan payment amounts without adequate explanation by Navient.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (NC)

Applied with my mortgage holder ( Home Point Financial ) to refi current 30years@ 5.5 % mortgage. Initially was told by loan officer I qualified for a 15 yrs@ 2.49 % streamline refi based on credit, income and payment history. Send me some paperwork to fill up and send back. The loan officer was not one to keep me up to date with status and what not, so for months I had to call her every so often for updates. Last time I spoke to her she checked my file and said the underwriters were asking for something she wasn't quite sure what it was and she would get back with me. Never heard back from her since, called her a few times, goes straight to her voicemail, left voice message never got a call back. Then About a week ago got a letter saying my application was denied based on payment history. I always pay, not exactly on the due date, but within the 15 days grace period, never a late fee assessed ( so in assuming in not late ) and always pay more than is due ( mortgage is {$1500.00} I always pay {$1600.00} ) the only time I ever had an issue with billing and payments and what not, was my very first payment over 2 yrs ago they took a double payment ( {$3400.00} ) from my account I contacted them and my bank and they have to return half that withdrawal ( {$1700.00} ) they assessed a late payment fee then, even though there was no late payment but a double withdrawal on their part. They recently removed that fee " as a one time courtesy '' ( which I protested as I was not asking for a courtesy but for them to correct their error ) other than that I don't understand the reason for their denial and was not offered recourse or appeal choice in the letter received.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (VA)

For the past couple weeks, I have been receiving letters from Synchrony Bank  (   XXXX .  XXXX   XXXX   XXXX , FL  XXXX  ) to verify transactions on a  XXXX  MasterCard  ( ac count ending  XXXX  ) I never opened. I do not know whether  one  was opened fraudulently in my name or if none was ever issued.     When I called the provided number (  XXXX  ) and talked to a "  Fraud Service Representative '' to clear up the issue and make sure no one ha d opened an account in my name, it became clear this was a fraud. As soon as I gave my name and explained the situation, I was asked for my full social security number. When I refused, I was then asked to give my full address and last  XXXX  digits of my SS #. At this point, I told the representative I would be reporting them and terminated the call.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (MA)

XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-12-13
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. (LA)

In accordance with the fair credit reporting act l. The list of accounts below has violated my federally consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that consumer reporting can not furnish an 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 items of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (FL)

Hello, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, and defamation of character. I am unable to get a job or apply for credit, and can't even get an SBA loan due to the pandemic under this crisis.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

Target has it listed for two late payments in XXXX and XX/XX/2016. Since XX/XX/2016, I have not missed or have a late payment. This is still on my credit and has been resolved over 3 1/2 years ago. This account is still open and in good standings.
Consumer complaint received 2024-02-21
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 hope this message finds you well. I am writing to express my dissatisfaction and frustration regarding the late opening of my account with your institution. I initiated the process of opening an account with your organization, expecting a prompt and efficient service. However, to my disappointment, the account was not opened within the agreed-upon timeframe. 

The delay in opening my account has caused several inconveniences for me. I had planned to utilize the services provided by your institution for various financial transactions. Due to the account not being opened on time, I have been unable to carry out these activities as intended, resulting in disruptions to my personal and/or business affairs. 

Moreover, the lack of communication regarding the reasons for the delay only added to my frustration. I understand that unforeseen circumstances may arise, leading to delays in certain processes. However, as a customer, I expect transparency and timely updates regarding any such issues.

I urge you to take immediate action to rectify this situation. I kindly request that my account be opened without any further delays and that measures be implemented to prevent similar occurrences in the future. Additionally, I would appreciate it if you could provide an explanation for the delay and assurance that steps will be taken to improve your service standards. 

Please consider this matter with the urgency it deserves. As a valued customer, I expect nothing less than efficient and reliable service from your institution. I trust that you will address my concerns promptly and take the necessary steps to ensure a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I selled a property of me worth on XXXX usd to a person whos name is XXXX XXXX XXXX. The person received the goods and then after that he said that he did not recognize the transfer and made a claim, affecting my XXXX balance for the transaction and also my bank flagged my account as fraud. That had brought me many problems.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loans and this was not my mistake
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (WI)

I had XXXX in charges occur on this shell.CBNA in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX XXXX
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX I called Wal-Mart credit card company ( XXXX XXXX  ) after running over a nail with my car ( around XXXX XXXX  ). The customer service rep told me I could use the XXXX at XXXX XXXX to purchase tires and receive 12 months 0 % ... call when I purchase them and they would code it. I had options Monday night. I could have used my XXXX card and purchase tires right down the street from me. However, my father had just purchased fromXXXX  and was happy. After getting confirmation from the rep at XXXX I called XXXX and ordered my tires : they would be in by noon on Tuesday. That evening after work I went to XXXX and had all 4 tires put on ( awd you need to replace all 4 ). I called again to verify that I had just purchased the tires and needed it coded. I was told that it takes 24 hours and to call back. I said I will call Wed. The second rep told me to wait until Thurs. due to my job schedule I didnt get around to calling until Sat ( XXXX XXXX ). A third rep said she was sorry but they couldnt do it at XXXX even though it is a sister company. This is after the fact I just spent {$470.00} and have been driving on these tires 5 days! The supervisor told me this just means they have to train and coach the reps better. There is nothing they could do! I Feel mislead and trapped! If they had provided me with correct information on Monday, none of this would have happed. To add to it, the supervisor told me, I would be surprised how often this happens, that some reps are just on overdrive. I would get a letter in the mail from the financial department explaining why I can get the special finance. I cant believe what I heard! I am not the one who did anything wrong. I was just going by what they stated to me. On XX/XX/XXXX I called to speak to another supervisor. She tried to blame XXXX XXXX for selling the tires. I should talk to their manager. The manager Never was involved with the purchase, their company was the one who provided FALSE information making me use their card. Each time I called them I have asked for our conversation to be recorded. They said I could only have the recording if I subpoena them. I feel helpless and mislead. Please help.
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that Portfolio Recovery Associates owns the rights to service the debt they have sent to me.
Consumer complaint received 2024-02-21
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please REMOVE these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: NCB Management Services Inc. (IL)

on XX/XX/2022 a certified letter was sent to ncb management requesting validation of debt. NCB never responded within to the 30 days alotted by law. This ia a violation of my rights under 12CFR1006.34 Also on XX/XX/2022 a certified letter was sent to XXXX XXXX XXXXXXXX requesting debt valadation under the 12CFR1006.34. XXXX XXXX  claims to know nothing about any debt or card i may have had. SO please remove this from my credit report.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I deposited 1- {$100.00} and 14XXXX {$20.00} bills on XX/XX/XXXX. the atm made a funny noise and spit out a receipt that said transaction can not be processed contact your financial institution. we called the number on the back of the bank card and filed a dispute. we got a provisional adjustment but the a couple weeks later we got a letter saying that no error occurred and they reversed the provisional adjustment. we proceeded to make a complaint with the branch directly. They were even aware that a problem occured at the time because XXXX XXXX explained to the branch manager, XXXX, that the employee i pulled aside and made aware of the error right at the time. they took our names and contact info and we gave them an image of the atm receipt. we didn't hear anything from them for a week. i called on a monday and we told that they would call us back that day. they did not. i stopped in the next day and they explained that they keep calling the escalations department and keep getting put on hold. XXXX said she will be bringing this up in a meeting. We heard nothing for another week. i called and XXXX said she was bringing it up to her Regional manager in a meeting. she then sent an email to my husband, XXXX, on the XXXX of XXXX saying that we would be getting a call from the esalations departments in the next 2 business days. we have not gotten a call from them yet and it's the XXXX of XXXX. i called XXXX today ( XX/XX/XXXX ) and she said that she emailed my husband this morning saying he be getting a call today from the escalations department. I informed her that we are now filing a complaints to the FDIC and Attorney General. we did not get an email from her as she stated. my husband emailed XXXX and XXXX on XX/XX/XXXX saying that we were very unhappy about how they are handling this and we never got a response from them. Many times they avoid us and they say she's in a meeting or out that day and we never get a response. They did at one point say that their atm balanced for that day but XXXX XXXX stated to XXXX that they did have a discrepancy with one day about a week later that says they balanced but was indeed off {$180.00}. So how can i trust when the bank says that the atm balanced but then they find an error with that system? they are very unresponsive and not transparent about how they are handling it. i had to ask the branch manager how they plan to handle this and what the steps will be. I explained to her that i was aware that money can get stuck in weird places in those atms and asked if they plan to check that. she said she didn't want to go that route.
Consumer complaint received 2024-02-21
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. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

ProCollect placed a {$230.00} charge on the XXXX  web site ( the creditor name was XXXX/XXXX XXXX  ) and was placed on my credit report.

I contacted ProCollect and after 5 minutes ProCollect realized they had the wrong XXXX XXXX XXXX they were pursuing ( my DOB is XX/XX/XXXX, the bad guy was XX/XX/XXXX). I have the Manager of ProCollect contact information as the Manager apologized to me several times about the mistaken identity against me and the case was immediately dropped against me. I then disputed this case at least 4 different times to XXXX to drop this " closed '' case against me ; but for reasons unknown XXXX  refuses to take this fraud off my credit report????
Consumer complaint received 2016-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Credit Services Inc. (FL)

I was received a letter from the " FIRST CREDIT SERVICES '' stated that I owed {$370.00} to XXXX XXXX XXXX XXXX FL Original Creditor that I have 30 days to answer. 
I send a letter to dispute the validity of the account before the XXXX day notice. I did not received any answer from FCS. Then I received a notice from XXXX XXXX stated that FCS sent my account toXXXX. They did not give me any chance to negotiate with them before sending my account to Credit Bureau Services.
Consumer complaint received 2024-02-21
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. (PR)

I reviewer my consumer reports an noticed tha i had two late payments on an account that i was never late three. The consumer reporting agencies have assumed a vital role and have a reposibility to report consumer information to the best of their ability wiht maximum accuracy.I have never been late on payments for the accouts tha i have included screenshot inside thie complaint in on dates of [ XX/XX/2018 ]. Please invetigate and provide proof with statements showing that these payments were late. If proof can't be provider I demand these payments be updated to paind as agreed on time as they should be due to the fact i was never late. Thaks! Please see screenshot attached :
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MO)

This item : XXXX ( student loan debt ) is inaccurate because Ive sent them a letter from the address provided on my credit report and it came back returned to sender. I am requesting that the item be removed according to the FCRA. Enclosed are copies of the documentation supporting my position.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix. 

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help. 

I have contacted XXXX 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name. 

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.