davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After opening a secured credit card with Bank of America, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my XXXX, XXXX, and XXXX  reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated.

2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}.

3 ) After contacting Bank of America re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed.

4 ) Since then, BofA has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming.

5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid.

9 ) Comments continuously state account closed by creditor when it was closed after payment.

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2019-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (NH)

Ive tried multiple times to get an address to make my final {$240.00} payment and they refuse to give me one. My checking account was closed due to my account information being compromised. 

When I tried to settle the debt with Blue Trust loans, they refused to give me an address to make the final payment. 

They have now sent the information to XXXX XXXX XXXX XXXX and when I voluntarily called them, they were rude and hostile. And I quote " I dont know who you think your talking to but you better think again '' This comment comes after I asked him to explain why there is a discrepency in what I owe and what blue trust is claiming I owe. 

I then asked if this was reported to the credit bureaus as I have just started builing my credit back up. He asked me how I would like to pay the outstanding balance. 

I cant get a straight answer from anyone at either companies, Ive submitted my request for additional information they require within 30 days of the letter they sent in an attempt to collect the debt.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I held a credit limit of XXXX for a year with Synchrony bank. I have made all payment on time. Paid balances in fill every billing cycle. During the pandemic they closed my account stating I had a low credit score and to many accounts. Which at the time none of this was true. When they close my account ; I lost all rights to rewards I earned using my card and no one has made me whole. I have made several attempt to resolve matter with company. But no avail
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX never late
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

Chase reported to the IRS in XXXX that I had received a refund for a house that I sold to my ex husband in XXXX. The IRS in return sent me a bill on XXXX XXXX in regards to the matter. I went to the Chase branch to inquire about this bill that Chase reported to the IRS and was told I needed to contact the mortgage department at Chase. I called the mortgage department at Chase and explained to them I never received the monies they reported to the IRS. I then requested a copy of the cashed check, they emailed me the front of the check with both of our names that was sent to my ex husband address on XXXX XXXX and was advised I had to wait 7 business days to receive the copy of the endorsed check. After 7days they provided the endorsed check that was sent on XXXX XXXX without my name just his. I then had to take a day off from work to call the IRS to inquire what I needed to do to have this corrected. I explained to the IRS what happened with Chase because during all my conversations with Chase I was telling Chase what needed to be done to correct this issue. Chase should of told me what needed to be done to have this corrected about this error they created! Chase wanted me to just tell the IRS about the error instead of them knowing what needed to be done to get this corrected with the IRS. I had to request a copy of my corrected XXXX to be able to have this corrected properly with the IRS and even then they were going to send a copy of the corrected XXXX to my ex-husband home address. I am infuriated that I had to take the day off from work to correct an error that Chase made with the IRS creating an unnecessary bill and furthermore causing me emotional stress in having to deal with my ex husband in regards to this matter! The representative I spoke to is XXXX XXXX most of the time about this case, the multiple conversations were recorded for reference. To-date I have to wait 7-10 business days to receive my corrected XXXX to send to the IRS.
Consumer complaint received 2017-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WI)

My brother XXXX XXXX and has no wife or kids. He XXXX X/X/2017 and his only heir is his mother who ca n't tend to the estate so I was awarded the Executer to the Estate. I have sent this company sensitive and personal documents on numerous occasions and to several names within the organization. The Estate hired a Real Estate company to look into a short sale. The Real Estate company has an offer to purchase that is very consistent with the market and has been  sending information representing the Estate for months. The company is not recognizing the fact that my brother has passed and continues to send information on refinancing the loan.
Consumer complaint received 2020-07-25
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing as it seem to be an inquiry ; no account number, the address is XXXX XXXX  XXXX XXXX XXXX XXXX CT XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2020-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CA)

Complaint : Exeter Finance Auto Loan! 

I managed to actually hold up my auto payment of {$520.00} month, until I lost my job ( XXXX XXXX, however I would still make my payments within that month, maybe not on the exact due date, but I made my payment within a 29 day period before it will rollover to next month. I called them about making payments arrangements for the month of XXXX, they would not even give me a grace period or forbearance ( my first time asking ) ... They are a very rude lender company and don't mention anything about Covid 19 relief to there consumers or even on there website ( www.exeterfinance.com ). 

I Also been paying my auto loan and it still seems like it's still at the purchase Price, they need to remove the late payment of my credit profile through all bureaus, as I still pay. This has affected my credit tremendously and I have really good credit. And by looking at the better business bureau they got revoked. 

Please take my complaint into consideration thank you. This company is really faulty and they take advantage of their consumers.
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

My mortgage was with XXXX XXXX, when the housing market crashed XXXX XXXX XXXX bought XXXX XXXX and sent to a servicer PHH. They, PHH Started placing harassing phone calls with me on the XXXX of the month when my mortgage isn't even due till the XXXX of the month. They charged me late fees on the first of the month as well as " Fees '' and " other Fess '' which they would take out of my on-time mortgage payment. After they would misappropriate the funds they would then place the remainder of my mortgage payment into a suspense-account then report to all three credit Bureaus that I was not making the full payment. When I called them out on this they claimed I also had a shortage in my impound account. They took an entire mortgage payment in " Fees '' then claimed I didn't make the payment at all. When I showed them the Electronic payment information from my Banking institution they then claimed they never received it and that I had to make two payments in order to be current. Mind blowing .... They have erroneously taken through the years thousands of dollars from me they are not entitled to. They have tanked my once XXXX credit score into the mid 500 's as they report to the credit bureaus inaccurate info. When I contacted all three credit bureaus it ceased for 30 days but then PHH verified it was true and correct again. It's a repetitive cycle .... They have me over 30-days late for years now. I've never missed a payment or been 30-days late in the 16 years I've owned this house, which I purchased in XX/XX/XXXX when I was XXXX XXXX in the XXXX XXXX, of which I Retired in XX/XX/XXXX with 24 years service. I can't even refinance my house to get out from under them ... I asked for payment history and they sent me a deed in lieu three times. When I finally received the printout which I had to use a magnifying glass to read because the print was the size of Tom Thumbs fingers, you can see the blatant fraud from their own records. 49 states Attorney Generals have sued PHH for Servicing Fraud already ... They continue the same practices. I have filed complaint with AZ Attorney General as well as Consumer affairs. I am seeking Counsel ... I'm not going to lay down and take it anymore. Something has got to be done about this Company ....
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MISSION FINANCIAL SERVICES CORPORATION (GA)

I sent a dispute letter to the company on XXXX stating that they have a incorrect and inaccurate balance reporting on my credit report company say I owe {$53000.00} but never showed proof i owe this amount
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with XXXX  called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with XXXX multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also Equifax was pretty much the same way while XXXX fraud department was excellent to deal with. I think XXXX  and Equifax should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.
Consumer complaint received 2023-01-23
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. (HI)

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX of 2020 my mortgage was up for refinance. There were delays getting it refinanced. The XXXX XXXX XXXX XXXX XXXX started showing in my credit bureau 120 days past due. I emailed the bank and was told repeatedly that once the refinance was done they would remove the 120 days past due. In XXXX 2020 I refinanced and was told it would take 30 days for the 120 days past duets be removed. It is XXXX XXXX, 2020 and its still 120 days past due. I file a dispute with trans union the beginning of XXXX and trans union says the bank says the information is correct. The bank says they reported back to trans union to remove it. Someone is lying. I need help because no one is interested in helping me raise my score.
Consumer complaint received 2020-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I made two legitimate ATM withdrawals from the same Wells ATM for {$100.00} each on XX/XX/20 that both posted to my account on the same day as they almost always do. On the same day, there was a third ATM withdrawal for {$100.00} from the same Wells ATM but this transaction posted to my account three days later on XX/XX/20 and was unrecognized, unauthorized and disputed by me. This the second time when I have noticed an unrecognized ATM withdrawal from a Wells ATM that is posted XXXX days after occurrence, the earlier incident was reported in CFPB XXXX. 

Wells Fargo refused to credit the transaction despite my repeated request for a review of the ATM camera footage.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CT)

For the last week I have been getting constant calls everyday at least 3-5 times daily. Also calling from No caller ID multiple times a day. In the last 24 hours, Ive received 8 calls from the reported number and 4 calls from No caller ID
Consumer complaint received 2020-07-25
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Summit Financial Corp. (MO)

In XX/XX/2016 and XX/XX/2016, a representative for Summit Financial contacted my job and informed my subordinate XXXX XXXX XXXX that they were looking for me and that I was past due on my car note with the company. 
The company continued to call my place of employment disclosing information to my assistant, who was not listed as a reference on my account nor did I provide them with the contact information, nor did I authorize them to contact me at that job. 
The information was then relayed to my supervisor and negatively impacted my employment with the company.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

As part of the Equifax settlement, I signed up for a free MyEquifax account. For the last four days, I have been trying to log into that account. Every time, it says, " We are temporarily unable to complete this request. Please try again later. '' There is no discernible way to ask for support on their website, so I went to their XXXX page. A private message went unanswered, and a public post was deleted. Finally, just to add insult to injury, Equifax keeps sending me e-mails asking me to upgrade to a paid service. I want to use the free service that was promised in the settlement. 

Thank you.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I hold three Synchrony Bank cards ( Mattress Firm, XXXX XXXX and Care Credit ). They all have XXXX balances. Today ( XX/XX/2020 ), I received an e mail from XXXX, noting that my maximum credit allowance at Synchrony was reduced by several thousand dollars, resulting in a decline in my credit scores ( from the 800s to the 700s ) .I contacted Synchrony and I was advised that since I had not used the Mattress Firm card in some time ( about 2 years ), they were lowering my credit limit ( {$8000.00} to XXXX. ) I asked that my original credit be restored and I was told to apply for an increase in credit. This application had nothing to do with credit worthiness and in fact may have resulted in an unnecessary review of my credit, again affecting my score. 

If I had used the card, I would have increased my debt, most likely being reflected in my credit score. If, as I did, not use the card, the end result appears to have been the same. Synchrony bank never notified me of their impending punishing action, and proceeded to to reduce my cap, thus reducing my overall ratings, and ultimately causing my excellent credit to decline. This WILL affect my borrowing power for large purchases, mortgage rates etc i would like this double edge sword to be addressed by the Bureau. I would like my original credit to be restored, and bank practices carefully scrutinized as anti consumer!
Consumer complaint received 2019-11-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have submitted repeatedly to XXXX and Experian to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NJ)

I make an installment payment every month to XXXX monthly via bank online bill pay. They insisted they did not receive my XX/XX/XXXX payment. I faxed them proof of payment, but they have added late fees, have not yet rectified the situation and have reported me to the credit agencies as delinquent.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

faxed two letters to Equifax to have a judgement removed. and it has not been removed.  XXXX  and  XXXX  have removed the debt. The debt has been paid and is no longer owed. I have my expungement letter.