davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) located in XXXX, NY reported me to National Credit Systems, a collections agency on XX/XX/XXXX for {$3200.00}. Our dispute originated on XX/XX/XXXX when I moved out from my apartment 10 months early from a year lease. 

At issue is my recruitment of replacement tenants who qualified and were approved by XXXX XXXX XXXX to move in and signed a new year lease with XXXX XXXX XXXX, that XXXX XXXX XXXX refuses to acknowledge. 

In discussions I had with XXXX XXXX XXXX office personnel, they indicated that if I found qualified replacement tenants, then they would let me out of my lease agreement. Otherwise, I would owe them {$2500.00} for a break lease fee. I advertised and located an interested party and directed them to XXXX XXXX XXXX. The office  showed the couple my 1-bedroom apartment. Then they also showed them a more expensive 2-bedroom as well, which the couple chose. 

XXXX XXXX XXXX is claiming that since the couple did not choose my apartment, I am not entitled to relief from the break lease fee. They instead offered a {$250.00} " referral credit ''. But, there was no mention of this credit type before I directed the interested couple their way. 

XXXX XXXX XXXX benefitted from my recruitment of new tenants to their business. They also benefitted from the 2 months of rent that I paid them. In a move obviously motivated by greed, they chose to ignore my efforts that helped them. In addition, they never returned my {$300.00} deposit, even though I left the apartment in better condition than it was in when I moved in. 

I also feel their alternate offer of a much reduced {$250.00} referral credit is " bait and switch '' tactics. 

Because I would not settle for their lesser offer, they turned me over to collections to deliberately hurt my credit and reputation.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC (NC)

For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

My mother is trying to get my Credit Reports online. She has a XXXX  computer XXXX XXXX XXXX and she used XXXX XXXX. All XXXX  credit reporting agencies stated can not get this online right now! I live a house with XXXX room mates and do not want this sent by mail for that reason. How can all XXXX agencies claim UNAVAILABLE at the exact same time, unless they do n't work with XXXX computers, which would be discriminatory.
Because of XXXX XXXX from a XXXX XXXX, off on XXXX since XXXX XXXX, 2017 ( which had stopped twice so far ) she thinks it a good idea to keep an eye on my credit reports.
HOW CAN I?
Can you PLEASE make these tax payor agencies serve EVERYONE in a manner that is best protecting THEIR identity?
Thank you
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Due to Coronavirus and my health I had to move unexpectedly and did not get my XXXX statement. I did not realize I had used the card ( same color as my debit card ) to purchase a gallon of milk for {$3.00} until I got my XXXX statement. I immediately paid the bill in full on XX/XX/2020. 
I have NEVER paid late before or since. They have reported me 30 days late for this {$3.00} debt which was simply a mistake coupled with rushed change of address. Ive begged their forgiveness and asked for the removal of negative mark from all three credit bureaus but they refuse. I have apologized profusely for using their card accidentally for a simple gallon of milk. Its awfully harsh punishment to be reported negative for 7 years over a gallon of milk and having my score drop dramatically. Additionally, this is the ONLY negative mark on all my cc history. 
Can you please help me? I have begged Capital One and they simply dont care.
Consumer complaint received 2021-12-24
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

I have been a loyal customer of chase for the last few years, and without a blemish on my account. Unbeknownst to me, due to lack of focus and judgement, I inadvertently scheduled automatic payment to an inactive account that caused me to missed two payments I wasn't aware of this matter until I checked my account and found out about the missing payments, which I immediately scheduled for payment at the end of this week. 


I am a XXXX making over 300k a year, and certainly can make this payment without a problem. It was a mistake and I ask that you exercise good will and erasing this delinquency from my credit record. My credit score is vital in securing a loan at a lower rate. 

I thank you in advance for your consideration. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have two parts to my account : promotional charges and easy pay. I am in the process of paying off all promotional charges first, b/c easy pay ( as agreed by the contract ) is 12.99 % instead of 23.99 % if I miss the payment on the promotional charges ( no pay for 6 months if full amount is paid off prior to expiration ) I will be charged interest incurred over 6 months. On XX/XX/XXXX ( Agent ID XXXX at XXXX XXXX EST ) I called Paypal Credit ( as PayPal credit requires ) and made a payment of {$320.00} toward my promotional charges and I have specified what promotional charges I want to cover. Agent XXXX assured me that my payments will be allocated as requested : {$40.00} towards easy pay ( as per contract ) and the remaining out of {$320.00} will go towards promotional charges. The next day after the payment was cleared by PayPal Credit, all funds ( {$320.00} ) went to easy pay instead of promotional charges. This happens all the time, every single time I am trying to close promotional charges. On XX/XX/XXXX ( Agent XXXX ) XXXX XXXX EST I once again called PP Credit and asked why my payments were not allocated as I requested. Agent XXXX was unable to re-allocate the fund b/c " that is how the system works ''. I want to pay all promotional charges on time to avoid paying interest but unable to do it without constantly calling PP Credit or submitting complaints over and over again. PP Credit will need to change its system so the consumers were able to make paying without being tricked by the PP Credit " system ''. If PP Credit does not like what they advertise ( 6 months no  interest if paid prior expiration ) they need to stop making false advertising b/c it is impossible to pay off promotional charges without involving a third party into the process. PP Credit employs the deceptive practice.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (LA)

1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date.

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

Our new mortgage company, Shellpoint Mtg, took over our mortgage right before Covid. I lost my job in XXXX like many Americans and struggled to pay the mortgage out of savings until we couldn't and requested forbearance around XX/XX/XXXX of last year. We've been in forbearance for the past 6 months ( which doesn't end for us until the end of XX/XX/XXXX ) and suddenly received a letter from the mortgage company last week with a PAST DUE amount of {$7200.00} which they will start reporting to all credit agencies XX/XX/XXXX. We were shocked and contacted the mortgage company to explain that I was still unemployed and the need the forbearance in place while I look for a job and would like the amount owed to be deferred to the end of the mortgage schedule. They explained that they refuse to allow me to stay in forbearance ( as I have no job ) and that I either need to pay {$7200.00} to avoid the negative reporting, or I could come off forbearance ( to begin monthly payment ) and request deferment at that point which would avoid the negative reporting. 

How am I supposed to look for a job which requires me to have decent credit, with a demand of either pay {$7200.00} right now or end your forbearance and then we'll agree to give you deferment. It's like they got me trapped and I have no choice when I don't have any options. 

PLEASE HELP - this can't be legal that they can negatively report that I am delinquent while I'm in forebearance. That just doesn't make any sense.
Consumer complaint received 2020-09-20
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. ()

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (MN)

Applied for a mortgage and credit report said I had an outstanding judgement {$14000.00} Company : MIDLAND FUNDING LLC?? ; The judgement on the credit report has no information other than the debt collector and date filed XX/XX/XXXX. After further investigation, I did a search of MIDLAND FUNDING to see what this is all about and the company came up as another company MIDLAND CREDIT MANAGEMENT. The MIDLAND CREDIT MANAGEMENT Website prompts to enter personal information to find a debt and a pop window indicated due to the age of the account it will not be reported to the credit bureau. The company had available documents indicating owed balance totaling {$5900.00}, three different creditors different for the same account, conflicting dates, a long pay history from going back to XXXX of XXXX which made sense based on a open judgement for {$14000.00}. 
Issue : 1.Why a judgement was filed on XX/XX/XXXX without notification and reporting in XXXX of XXXX? 
2.Who is the entity Midland funding ?, MCM CREDIT MANAGEMENT?, XXXX? PER STATEMENT POSTED IN MCM ACCOUNT, XXXX? PER SCREEN ACCOUNT Filed. I do not know who the creditor is with all these different names and none of these name appear on my credit report except for Midland Funding LLC. 
Statement provided from MCM with XXXX?? noted as a creditor has a bill date or report date of XX/XX/XXXX and judgement showing in XXXX which is 11 years later? 

3.If payments were made, why is there a judgement and MCM amount is different from judgement. Who are these people??? 
4.Pop up says disclosure to not report debt to credit bureau because of age, but reporting to bureau as a judgement??? 
5. I only became aware of this because the mortgage company told me to fix prior to purchasing a home. A debt from XXXX from the bill looks like it was settled for less, but can not tell with limited information that is all conflicting. 
Overall, I think this is a scam cause of all the conflicting information and just need this judgement removed so I can move forward with my home purchase. thanks you XXXX XXXX DISTRICT COURT/XXXX XXXX Filed XX/XX/XXXX Reporting to credit bureau as of XX/XX/XXXX and original debt on phony statement from MCM is dated XXXX?? https : //accounts.midlandcredit.com/ # / thank you
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I never asked XXXX, Transunion or XXXX to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.
Consumer complaint received 2018-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I previously had a home equity loan with Wells Fargo when i signed note on XX/XX/XXXX under payments " Payments I make from a qualified account ( " Automatic Payments '' ) pursuant to an Authorization for Automatic Transfer will be credited to my Loan on the date received ( including Saturdays, Sundays, and holidays ) ''. This held true until XX/XX/XXXX when I received a letter with the subject " When automatic payments are scheduled on a weekend or holiday '' The letter stated " What you need to know Previously. If your payment was scheduled on a weekend or holiday, it came out of your account on the next business day. The payment was then backdated to show that it was applied on the weekend or holiday. 
Now. If you payment is scheduled on a weekend or holiday, it'll still come out of your account on the next business day. However the payment won't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards the interest incurred during the weekend or holiday instead of to the principal or other balances... '' I have previously filed a complaint about this and Wells Fargo states that they feel they did not violate the loan as they state " The Mortgage Note requires us to credit your account as of the date your payment is received and we will continue to do that ; however, since we will not be autodrafting payments on weekends and/or holiday there will be no payment to back date as it will be autodrafted the following business day. '' This is not supported by both the Loan Note and the letter that was sent to me dated XX/XX/XXXX. As that letter specifically states previously payment was taken out on the next business day but backdated but now the payment will " still come out on the next business day ... [ but ] wont't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards interest incurred during the weekend or holiday.. 

Wells Fargo has lied about how the letter dated XX/XX/XXXX and the Loan Note are stating payment application and the fact that they can now charge more interest because of the fact they are not backdating payments.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OR)

I opened a checking and savings account with Citibank back in XXXX. As of XXXX, I didn't need the accounts anymore. 

XX/XX/2020 : The transfers to get my accounts down to a {$0.00} posted to my accounts. I started a chat session through the app requesting a closure of both accounts. The agent told me the accounts would be closed and I'd get a confirmation. 

XX/XX/2020 : When I never got the confirmation, I logged back in to check on the accounts. I could still see both accounts. The checking account said it had been closed, but the savings appeared to be open. I started another chat and the agent told me they submitted another request for the savings account to be closed. 

XX/XX/2020 : Same thing happened, I never got the closure confirmation, I checked, and the account was still open. I requested a closure, the representative told me I'd get the letter in 24 hours. 

XX/XX/2020 : When I still didn't receive confirmation, I called the customer service line. The representative said she would close the account, and that I'd get confirmation and lose access to online banking. 

XX/XX/2020 : I tried logging in to see if I'd lost access and could still log in. I called again. They said they submitted a request for the account to be closed. This representative said that sometimes accounts don't close because of interest paid to the customer being posted to the account. Since I had a {$0.00} balance they said my accounts should definitely close by Monday ( XX/XX/2020 ) and I'd get a letter in the mail no later than XX/XX/2020. 

XX/XX/2020 : I got a notification from the Citibank mobile app that {$0.00} posted to my account on XX/XX/2020. 

I have completely lost faith that these closure requests will do anything and I am concerned I'll be charged fees for my account being open for this long without maintaining the minimum balance to avoid fees.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I checked my XXXX XXXX and noticed a collection opened by Cavalry Portfolio Service on XX/XX/XXXX in the amount of {$1500.00}. They never contacted me about this debt via phone or mail to tell me about this debt they are trying to collect. I sent them a Debt Validation Letter on XX/XX/XXXX to verify the debt via certified mail with USPS. On XX/XX/XXXX XXXX sent me a letter of dispute and said that they would write me again in 150 days. On XX/XX/XXXX Cavalry sent me another letter with the verification of my debt. They did not provide me with all of the validation requests I had requested in my original letter.
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hello, I've used Pay Pal to pay for products / services ... They NEVER honor my request for a return of funds when products / services are not delivered. They ALWAYS side with dishonorable companies and force one to go to their personal bank to resolve .. PLEASE look into this, I thought they had to have insurance for this sort of FRAUD but they NEVER regardless of amount or incident return your money. I have things not show up, not be delivered and every time I try to resolve they either ignore the request or side unreasonably with the fraudulent company.
Consumer complaint received 2020-11-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of XXXX XXXX XXXX and explained my problem. They referred me to the credit bureau, who referred me back to XXXX financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help me.
Consumer complaint received 2020-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I am receiving bills for an account that I do not have and for purchases that I have not made : Synchrony Bank XXXX. XXXX XXXX XXXX, Fl XXXX. 
XXXX I am receiving bills in the amount of {$4400.00} with an account ending in XXXX. I do not have an account with PayPal or Synchrony Bank. I have not made any purchases. I believe this to be fraudulent. The phone contact wants my Social Security number. I refuse to give them any information. 

Please investigate.