davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I went on to my XXXX XXXX  XXXX website to pay off my card. I had previously submitted 5 other payments with my XXXX XXXX XXXX account and they were all successfully taken. However, on the same day XXXX XXXX  XXXX rejected my payment method stating that my bank did not support this type of payment. Which I found to be absurd and was untrue because I had other cards that I also paid off in full with this same XXXX XXXX XXXX XXXX account and they were all successfully accepted and paid. I called in on XX/XX/XXXX and again tried to resubmit my payment with the same XXXX XXXX XXXX account. Again on the same day they rejected it. I went on line XX/XX/XXXX and tried to submit another payment. I attempted to submit the total amount of {$390.00} to pay off the card. I then received an email on XX/XX/XXXX stating my {$25.00} payment was accepted. 
So on XX/XX/XXXX I went back online to pay my {$390.00} payment. I was rejected stating I need to pay {$360.00} because the amount of {$390.00} was greater than the current balance owed. I went ahead and submitted {$360.00}. On XX/XX/XXXX I received a text from my banking institution stating that I was negative in my account. It was because the XXXX XXXX XXXX went ahead and charged me twice for the amounts of {$390.00} and {$360.00}. I was upset and concerned. I called my bank institution and advised them that the amount of {$390.00} was unauthorized and did not know how or why this was charged because their website clearly stated it would no charge me. My bank in turn returned both payments of {$390.00} and {$360.00}. I went ahead and paid off my XXXX XXXX on XX/XX/XXXX in the amount of {$380.00}. 
Today ( XX/XX/XXXX ) I went on to ensure that this payment was successfully paid and taken to find out they closed my account because of to many returned payments. I contacted their representative via Live Chat and was told that because I have returned too many payments, the account is now considered closed. I am highly upset. I am in the process of trying to get pre-approved for my very first home loan. Improving my score has been a 2 year struggle and battle that I am excited to say has now paid off. The fruits of my labor have been a long trying journey. I have never been late on any card. Paid off on time what I could and now that XXXX XXXX XXXX is closing this card they are hurting my XXXX XXXX, for closing my card at no fault of my own. It was not my doing that they double charged me or that they would not accept my XXXX XXXX XXXX XXXX account. Now I have to pay the consequences of having an account closed which has had impeccable payment history for the last year and has even been paid off in full twice! I am requesting for them to retract the closure of this account or if it can not be done for them to completely delete the entire trade line off all three credit agencies.
Consumer complaint received 2020-07-13
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. (TN)

This account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

They call every hour on the hour, they dont leave messages so I dont know who they are calling for. While Im aware of my debt, I wont answer a call unless I know who they are and who they work for. Ive called the companies multiple times about my debt and was told they cant work with me. Yet I received text messages constantly saying they are willing to work with me. XXXX XXXX is where most of my debt lies, Im aware of the issue, but calling constantly and not giving me information about who they are is a problem. When they leave a message its vague and say this is going to directly impact my life. Now they constantly call on unknown numbers that I can not trace to verify authenticity.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: KEYCORP (NY)

Key Bank credit-card customer service stated XX/X/17 my card had been "blocked" - that a "block" had been put on my credit card but could not explain why and/or the reason for this. Key Bank credit-card customer service also stated that in order to receive my new credit card (with new expiration date etc.) I must pay my entire overall balance in full.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am a victim of identity theft and I lost my Capital One Bank XXXX and someone used my credit card and made over {$1300.00} in fraudulent charges that Capital One Bank is trying to hold me responsible for the fraudulent charges. I do not owe for this debt. The charges are not my charges. A representative called me from Capital One Bank and verbally abused me by swearing at me, telling me the fraudulent charges was made by me and threaten me with arrest and legal action. Capital One Bank is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2016-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

Our mortgage was sold to Citi Mortgage about 5years ago and EVER since it has been one BATTLE after another! We had to pay taxes twice in one year despite the fact that we paid them at closing and we had the taxes escrowed into our mortgage. 
The costumer service is NONEXISITANCE! you can not talk to the same person twice. No NOTES are made in the account to communicate once you do get through so you must repeat EVERYTHING! The hardship program is a JOKE! We experienced a hardship and jumped through all their REQUIRED HOOPS only to have our mortgage payment increased! We then obtained a lawyer to help us " do the Right thing '' only to have them continue to jerk us and the lawyer around. For the last 2 years we have fought to keep our mortgage and our home only now to feel defeated and unable to continue the fight. We are attempting to sell our home just to get rid of Citi Mortgage and try to restart. 
We have NOT kept anything from Citi Mortgage, as soon as we retained a lawyer they were contacted with ALL of his information. I had given verbal authorization for Citi Mortgage to discuss options with him and the information was " NONEXISTING '' after 8months after they had been in contact with him ; thus again forcing me to jump through their hoops to allow them to discuss the case. We then applied for the hardship loan modification. For almost a year we paid the amount that we thought was the payment amount. XXXX of 2016 Citi Mortgage began sending our payments back to us. At this point I could no longer continue the endless battle and we entertained putting the house up for sale. In XXXX Citi Mortgage sent me a letter notifying us that our mortgage had been sold. All paperwork was provided to the lawyer and relator with the New mortgage holder 's information. When my relator called the company that our mortgage was sold to she was told, " Not all files have been sent over and information is limited. '' My lawyer then contacted the same people only to be told that the mortgage was NOT sold that Citi Mortgage still holds the account. My Lawyer then contacted Citi Mortgage, at this time Citi Mortgage is requesting us to re-apply for a loan modification. There was NO explanation given as to why we received the letter, Nor why my relator was told one thing and the lawyer another. 
I have LOST complete faith in this company! NO ONE there knows what is going on and all that I get is a CONSTANT RUN AROUND and jumping through hoops. They are selective in the notes that are applied to the account. One month they will speak to the lawyer and relator and the next I need to submit a formal letter ( AGAIN! ) to Citi Mortgage to allow them to discuss my case. At this time we are attempting a short sale unfortunately Citi Mortgage will not provide a FINAL payoff figure to the relator making the sale of the house DIFFICULT. 
As a first time home buyer they have made this the WORST experience EVER!
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I placed a call to Freedom Mortgage 2 weeks ago in regards to my escrow analysis. Freedom has incorrect tax line amounts ( XXXX County ) they are projecting for XXXX which caused my payment to increase {$400.00} per month. I provided them a copy of my tax bill as requested showing my XXXX taxes were XXXX per installment not XXXX per installment. They confirmed they would update the tax lines and process an updated escrow analysis effective XX/XX/XXXX in 7 days. Well, today was day 14 and I called them only to find out nothing was fixed or even submitted. The rep told me she would submit the request and it would take another 7 days to have it fix! And then they would request another analysis to adjust the payment. Freedom is collecting extra money that is not needed if they just simply update the tax lines with the correct information. I expect them to update the lines and fix my payment amount due XX/XX/XXXX. Worse customer service I have ever received.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2016-05-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC. (KS)

A man who said his name was XXXX XXXX called my cell and left a message stating they had delivered a 21 day notice to my residence and it was now day XXXX hours to call him to settle the matter before a process server was sent out to serve me. Case number he gave was XXXX. In the voice mail he never identified the company he works for, nor the company the case that was referred to his office was for. He then called my employer less than 5 minutes later and threatened me on the phone. Refused to tell me who the debt was for until I in turn demanded a fourth time to know what the debt was for. He finally said the debt was from Check Into Cash payday loan. Said the amount due was for over {$700.00} but I do not recall ever taking a loan out for that amount, and the last loan I took out was over 3 years ago. It is my understanding the statute of limitations for a lawsuit in Kansas is 3 years. He wanted to know since I work for a law office when I was going to pay the debt. When I told him not to call me at work and told him I was aware of the FDCPA he hung up on me. The number he called from was an unknown number but he left a number that ca n't be traced to a specific company on XXXX.
Consumer complaint received 2020-10-09
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. (FL)

THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-09
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. (NY)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/XXXX  XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right?

I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Thanks.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR CARTER YOUNG, INC FORMERLY COLLECTRON OF XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX, has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES XXXX COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO XXXX. I have asked these DEBT COLLECTORS CARTER YOUNG INC, FORMERLY COLLECTRON OF XXXX to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and I am feeling embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR CARTER YOUNG, INC FORMERLY COLLECTRON OF XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX, this is aiding and abetting fraud on the Consumer who is a natural person.
Consumer complaint received 2021-02-09
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. (IA)

Experian response. 
" We had previously placed the item under reinvestigation per your request, on XXXX XXXX, 2021. The data furnisher responded and verified that the disputed information was accurate as reported. The results summary was sent to you for review on XXXX XXXX, 2021. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry '' I SENT YOU EVERY PAPER ON THE XXXX ACCOUNT THAT PROVES OVER 50 % OF THE PAYMENT HISTORY IS INCORRECT AND YOU COME BACK SAYING EVERYTHING IS ACCURATE, I'M DONE I WILL BE FILING A LAWSUIT IMMEDIATELY.
Consumer complaint received 2020-10-09
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. (NY)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2024-03-25
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (PA)

This is their last chance before I proceed with litigation. I had previously requested that I'd be opted out of credit reporting pursuant to 15 U.S. Code 6802. This company had denied my right to opt out which violates my right to financial privacy of my nonpublic information and claimed that my dispute letters were automated. I also sent a letter to cease all communications as stated in the procedures of the Fair Debt Collection Practices Act which includes both direct and indirect communication on ANY medium. Consumer reporting is an indirect medium to which this company is using to communicate with me and to this day it is still on my report. See attached exhibit
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX IS MY BOA CREDIT CARD. I CAN NOT GET THE LAST 2 STATEMENTS. BOA DOES NOT RESPOND. BOA IGNORES THIS REQUEST. BOA REFUSES TO ANSWER.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I received your letter, which was generated by a computer, informing me that you had stopped looking into my credit reports because you think I may have used a third-party credit repair firm. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request. 

I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XXXX. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness. 

My credit file has been receiving erroneous and incomplete account information from your credit reporting organization. I'm upset.
Consumer complaint received 2017-12-08
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: EQUIFAX, INC. (DC)

Equifax has wiped out my identity. It states they have no history or record of my identity or of my credit history, which is impossible. I have excellent standing credit that is currently being reported by XXXX and XXXX, and a long history of excellent credit ( including credit cards, checking and savings, retirement accounts, and student loan accounts all in good standing ). I was also a casualty of Equifax 's massive data breach from XX/XX/XXXX, yet they say I do not have any record. 

I first found this error on Thursday, XX/XX/XXXXas I am applying for a mortgage to purchase my first home. I have received all three credit reports in the past ( including Equifax ), and continue to use XXXX XXXX to monitor my credit, which also shows a current Equifax credit score. But Equifax has blocked any lender from pulling my credit report, and when I have called 5 separate times betweenXX/XX/XXXX and XXXX, the representatives all say they have no record of me. This is absolutely impossible. I 've been asked to fax a copy of my driver 's license and social security card, which I have, but the fax number does not even work properly - it keeps rejecting my fax but hanging up. I have also asked the representative for the contact information of their legal department and, on the recorded line, stated they " do not have a legal department ''. I am now trying to find old copies of an Equifax report to send as well. My identify and excellent credit are well documented and confirmed, and in current standing. There is no reason for this to be occurring other than the Equifax 's own incompetence and own security related negligence.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Moore Law Group (CA)

On XX/XX/XXXX I sent The Moore Law Group ( debt collector ) a letter asking them to prove their claim and to let them know I am represented by an attorney. On XX/XX/XXXX I received a threat letter from them. Both letters are attached. Their reply is no way to respond to a letter and their reply to me is in and of itself a violation of the FDCPA on top of the other violations. I am requesting that the CFPB investigate and have The Moore Law group contact my authorized representative.