davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

Please be advised that I have attempted to resolve this matter with Synchrony Bank, but the Synchrony has been non-responsive and completely ignored any attempts at providing good customer service. I am upset that Synchrony Bank took extreme measures to ruin my credit, including not contacting me regarding the one late payment that I had on my account. 
Currently, my credit report is reflecting one 30-day delinquency for XX/XX/XXXX and one 60-day delinquency for XXXX of XXXX on this account. I am not disputing the late payment in itself, but I am very upset that Synchrony would not take the time to understand my circumstances and assist me with this matter. 
I opened a XXXX  XXXX  XXXX XXXX card in XX/XX/XXXX. I consistently made my minimum payments each month. In XX/XX/XXXX, Synchrony urged me to enroll in paperless billing and I did. I have consistently had both a monthly {$5.00} recurring charge and corresponding {$5.00} auto-draft payment take place on the account with minimal usage otherwise. On XX/XX/XXXX, I made a {$33.00} purchase that I forgot I charged to my XXXX  XXXX account and did not increase my automatic payment to cover this purchase. Synchrony assessed multiple late payments which caused this {$33.00} purchase to grow into a {$140.00} balance. In XX/XX/XXXX, I checked my credit report and only then realized that this account was delinquent. 

Synchrony Bank has all my contact information on file ( address, phone, email ) but never contacted me regarding this past due balance. According to the Synchrony representative that I spoke to, because I was continuing to make a {$5.00} auto payment each month and was therefore making monthly payments, Synchrony had no obligation to send me a notice. 
I immediately called Synchrony customer service line and explained the situation to a supervisor named XXXX in the XXXX, OH call center. She took all my information and promised that I would receive a response within 30 business days. That call took place on XX/XX/XXXX. To this day I have not received any contact or correspondence from Synchrony replying to my inquiry. 
This has ruined my credit and caused me immense mental and physical stress. As a loyal Synchrony customer who paid her bill on time each month, I do not believe that Synchrony should continue to cause me such mental stress and ruin my credit. Lenders such as Synchrony should not be allowed to prey on unsuspecting customers, ruin their credit and then refuse to provide them with good customer service. I request that any outstanding balance be waived and this tradeline either be removed from my credit report or be updated to show as never past due.
Consumer complaint received 2022-09-09
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. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

On XX/XX/XXXX We applied for and were approved on XX/XX/XXXX for a re cast of our current XXXX XXXX   Mortgage based on a principle reduction that was paid by us. We overnighted the notarized agreement for modification, re-amortization that Ditech sent to us on XX/XX/XXXX via the XXXX XXXX envelope they provided us. It was received and signed for by XXXX XXXX at XXXX on XX/XX/XXXX at Ditech XXXX XXXX tracking XXXX. I called to confirm on XX/XX/XXXX that they had received the documentation and also to confirm that they received our XX/XX/XXXX payment as they cashed it but not applied it to the account promptly. They told me that the recast was already finalized and that the payment made was at the old amount of {$2700.00} and the new Mortgage amount was {$1800.00} which they would apply the {$1800.00} to the XX/XX/XXXX payment and the remaining {$910.00} to principle. They did this and the account currently shows correct on their website with the new payment being due XX/XX/XXXX at the new amount of {$1800.00}. I assumed everything was fine because that is what I was told and the website reflected it correctly. I then received a letter from Ditech dated XX/XX/XXXX stating the recast was not finalized and it included the documents that I previously notarized and sent to them for signatures again. I called Ditech on XX/XX/XXXX and spoke to XXXX who told me yes the recast was finalized on XX/XX/XXXX. I asked for the Agreement signed by Ditech and she said she had to transfer me. I then spoke to XXXX who was very rude to me and transferred me to XXXX. XXXX told me at first that they never received the notarized documents from us as they do not show in there system. I told her we had the tracking number to prove it and she placed me on hold and came back and told me that the recast was finalized that day they received them on XX/XX/XXXX. She could not provide me with accurate information and I asked how my account shows the new payment in their system and they are taking payments in at the new amount but they can not provide me with the signed agreement. This could cause problems with future payments and I could be late as I do not have 100 % proof they signed this agreement and they are telling me they my not even have the documents that they received. I would like Ditech to provide me a copy signed by them of the agreement for modification, re amortization, or extention of a mortgage as I have a right to the document for my records. I hsve the right to accurate information as a consumer.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (OK)

The debt that this company is reporting is re-aged. According to the original creditor, the date the this debt first became delinquent is XXXX of XXXX. The collection agency has re-aged the debt on my credit report to show XXXX of XXXX as the first date of delinquency. This should have already fallen off of my report in XXXX of XXXX. I have informed the collection agency about my conversation with the original creditor and she told me that did n't matter. She received the debt in XXXX of XXXX and THAT is the date of delinquency according to her. This is a violation of the FCRA. Re-aging the account is illegal. A collection agency should be aware of this. I have disputed this with them and through the credit reporting agencies and they continue to refuse to remove this from my credit report. They are knowingly continuing to verify false information. Also, I paid this debt to the original creditor and they still refuse to even show it as paid.
Consumer complaint received 2017-06-20
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AES/PHEAA (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because AES and The National Collegiate trust refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at XXXX, XXXX XXXX XXXX XXXX, XXXX ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.
Consumer complaint received 2017-06-20
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: Innovis (PA)

XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.
Consumer complaint received 2019-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NC)

I have been having issues with Selene Finance. The company increased the amount of my monthly mortgage payment without properly notifying me. I spoke to a representative to inquire about the increase and a representative stated that a letter was mailed to me. I never received the letter so I asked to have it re-mailed. A few days later I received a letter from Selene Finance stating that I should disregard the letter. 

Selene Fiance has been very unprofessional during their time as my servicer. I was supposed to have a new monthly payment amount from a loan modification that I completed with XXXX, however Selene finance never upheld the terms of my the modification and instead made me do a new one with them which resulted in a higher mortgage payment and higher principal amount. 

Selene has even done minor things which in my opinion are extremely disrespectful and unnecessary such as sending me refund check in the amount of {$0.00} ( a XXXX ).
Consumer complaint received 2017-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo denied my request for modification in XXXX claiming I had exceeded my limit which I explained was untrue. I ended up filing Ch. XXXX because of their unwillingness to help. After filing for Ch. XXXX, in XXXX per my attorney 's instruction, I submitted another request for modification which was then approved but due to some communication breach between my attorney and Wells Fargo, the  modification began with a 3 month delinquency already on the account. My current XXXX request for modification was denied on the grounds that I have exceeded my limit, the same excuse given me in XXXX and that the previous modification was delinquent even though it was that way prior to my signing modification paperwork. I 'm not asking for an adjustment in payment, only for assistance with the arrearage which has bloomed due to a combination of fraudulent practices during the last modification, personal financial hardship, Wells Fargo 's refusal to accept payments from me and demanding all arrearage instead and many attorney fees added by Wells Fargo.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from Equifax.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

NATIONAL CREDIT SYSTEMS IS REPORTING AS A COLLECTION ON ALL THREE OF MY CREDIT REPORTS. I HAVE SENT SEVERAL VALIDATION LETTERS TO THIS COMPANY AND ALL THREE OF THE CREDIT BUREAUS, THEY HAVE NOT RESPONDED, IT HAS BEEN MONTHS AND I HAVE NOT RECEIVED THE VALIDATION OF DEBT LETTER AS REQUESTED, I SENT CERTIFIED LETTERS TO KEEP TRACK OF THEM RECEIVING THE LETTERS,
Consumer complaint received 2017-06-19
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. (FL)

I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and this violates my rights as a consumer.
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditech, Inc. (PA)

Credittech is still trying to collect {$1700.00} on a medical debt that wasfor a procedure for my son  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  . After trying to fight this medical collection with credittech because I do not owe this money I need help. My credit has suffered greatly. I contacted my insurance company to see why this was not paid and they informed me that the bill they received showed a 100 % provider discount with no money owed. This debt therefor is not valid and I have suffered because of it. Attached is the explanation of benefits that was provided to me from my insurance company.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted various request for Trans Union to remove fraudulent inquiries from my credit report. I have supplied all identity theft documentation requested and these fraudulent inquiries have not been removed. My most recent request was made XX/XX/2022. Its now been 5 weeks and there has been no change or even notification of dispute or request for this information to be blocked. 
Section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) states that I can request fraudulent information be blocked from my credit file within 4 days of receipt.
Consumer complaint received 2022-09-09
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. (GA)

As I XXXX XXXX checked my consumer report I noticed a fraudulent account and inquiry reporting to my consumer report. I reached out to Experian to advise them about the fraudulent account and to no avail I did not receive a solution. I presume to notify the Federal Trade Commission by completing an Identity Theft Report. Please view the uploaded document. Experian has clearly violated my consumer rights. Experian needs written instructions by I, the consumer to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition EXPERIAN has committed identity theft. This is a violation of 15 US Code 1681b ( a ) ( 2 ) and information associated with XXXX XXXX MUST BE REMOVED. I am aware pursuant to 15 USC 1681c-2a, if I, the consumer, provides a consumer reporting agency such as EXPERIAN with appropriate proof of identity, a copy of an identity theft report and a statement I, the consumer stating the information in connection with XXXX XXXX IS NOT RELATING TO ANY TRANSACTION BY MYSELF, EXPERIAN IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX. THIS INFORMATION WOULD NOT BE BLOCKED IN ERROR, IF YOU FEEL THERE IS MISREPRESENTATION OR THERE WAS ANY POSSESSION OF GOODS, SERVICES, OR MONEY OBTAINED PLEASE SEND ME A STATMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (NY)

I sent in a letter of validation to Penn credit Corp. For a debt that has been on my credit report since 2014. Under the Fair debt collection practices, asking if agency can provide validation under 15 USC 1692g Sec.809 { b }. I sent in my letters because I do not own this debt. After 30 days I received a letter from Penn credit with nothing showing that I own this debt.
Consumer complaint received 2017-07-14
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: KEYCORP (NY)

I received a credit card statement from key bank on XXXX/XXXX/2017 for a XXXX XXXX card that was closed or supposedly closed 4,5 or 6 years ago??? I spoke with Key on XXXX/XXXX/17 at XXXX XXXX and they said that the account was closed and it was a glitch in the system, I asked them to send me an email or letter stating that the account was closed, they said they could n't or would n't do that?? they gave me a reference number that means nothing to me. I am concerned that someone may try or had used my excellent credit history!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (FL)

I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries :   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  and this violates my rights as a consumer.