davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TX)

I have a collection on my credit report with XXXX XXXX XXXX. It is concerning equipment from XXXX XXXX XXXX. I had gotten out of the military and was moving back to XXXX from XXXX XXXX. The agent did n't say anything about returning the equipment prior to my military packout. I arrived in XXXX during mid-XX/XX/XXXX and did n't find a residence and receive my housing until XX/XX/XXXX. I immediately dropped off the equipment at XXXX. I started receiving phone calls from XXXX XXXX stating that there was still a debt. I reached out to XXXX to try to obtain some sort of record that I had dropped off the equipment. They stated that there is n't a system that they could use to find the equipment or proved that I dropped it off. They stated that they receive equipment from multiple XXXX customers and place it in one box for shipment.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.
Consumer complaint received 2018-06-05
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. (WA)

On my account through XXXX XXXX XXXX there is record of payments being made from XX/XX/XXXX on time every month through XX/XX/XXXX. On my credit report it continues to state that I have not made a payment. I have asked them to fix this and they are saying its past due which is not the case per the record of payments posted on my account summary on their website.
Consumer complaint received 2017-12-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CT)

Around 2013, I decided to go back to school. I applied for a private loan, and the loans total about {$60000.00}. After graduation, I had to take work as a substitute teacher as I could not find full-time employment. 

I called the company and asked for forebearance, which they granted for one month only. The fee for forebearance was # {$100.00} per loan. {$200.00} to keep it in forebearance for one month. 

I called to lower payments, but it was not working. They said they do n't do forebearance for a year, but it says on their website that it is for 12 months. That is all I ask. One year.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian has failed to investigate a legitimate dispute that I have filed on several occasions. The information with the dispute results is inaccurate and does not add up. I sent in supporting documents, which they deleted and did not send to the creditor. I wasted a month for a report that shows the last time the account was even updated by the creditor was a month prior. None of the comments or history are accurate. There are insufficient dates and data history. I provided ample evidence showing these payments were completed and withdrawn from my checking account, and provided evidence supporting each of my claims to clear this up. When I attempted to reinvestigate the dispute, I was alerted that my dispute was modified for another thirty days. This is incorrect derogatory information being reported, and the credit agency has caused more harm than help by neglecting to investigate my dispute properly. I attempted phone contact with the company, only to have my calls re-routed over and over again.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rushmore Service Center, LLC (NY)

Rushmore Services persistently contacted my employer 's office after I asked them repeatedly not too. I asked to be contacted by mail if they wish to discuss a matter with me. After some research on my own they were attempting to collect a debt that was paid off. Not only have they harassed me at my place of employment, but they have a debt that has been paid.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have review your comments and I did not authorization nor give permissible to run my credit report without my permissible, therefore I wish to have the inquire ( s ) deleted/remove.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Remove this fraud account from my credit report because I reach out numerous times that this account doesnt belong to me you report the information is verify by the creditor but when I ask the creditor for proof they dont have any proof I sign any papers or my identity this account is open fraudulent XXXX XXXX XXXXXXXX and I have the right to a fair and accurate credit report and this information and account is not fair and accurate 1681 permissible purpose they never receive any written consent from me to publish or report anything on my credit report they can not send any proof of that just some information that was open online by someone else
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

I was a victim of identity theft starting at the age of XXXX and someone opened bank accounts, credit cards and checking accounts in my name. Ive never had XXXX XXXX XXXX XXXX in my life and you guys have cleared and closed the credit card that was in my name due to fraud and I need this checking account and savings account closed and removed as well.
Consumer complaint received 2019-11-10
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. (TX)

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.
Consumer complaint received 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

My private student loans through XXXX and Navient are out of control and no one can help me. When I call for help I just get transferred from place to place with no resolution. When I call Navient they tell me collection agency XXXX XXXX has my account I call them and they say they do n't have it navient swears they do. I found it with an attorneys office. I had worked out a payment plan with a collection agency that called me in XXXX 2015 of {$1000.00} down {$250.00} for life and interest rate reduction of XXXX percent for life. I called to find why my first payment did n't come out they said Navient took account back saying I did n't pay on it my payment was not due for 2 days so they took it back before my first payment came out. Now they are saying no payment arrangments are available. I want the payment plan I agreed to and was offered. I originally borrowed {$120000.00} between the XXXX lenders and with interest that amount has grown to nearly {$300000.00} more than my house is worth just in interest charges.
Consumer complaint received 2019-11-10
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. (IL)

I requested that my Bankruptcy be removed from my public record. I show proof that the United States Bankruptcy Court does not furnish this information to the credit bureaus. I provided this to the XXXX  and Experian. They refuse to provide me with the information who reported this to my report and refuse to remove this from my report. I request that the Bankruptcy be remove from my credit report.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

You are currently reporting debt to my credit report {$200.00} and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX  but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards,
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

We have a GM Card serviced by Capital One. Our last payment due date was XX/XX/XXXX. We set up a payment in full on our XXXX XXXX bill pay for XX/XX/XXXX, and according to bill pay, the payment was mailed in time to be received XX/XX/XXXX. We noticed that the payment had not been taken from our checking account as of the XX/XX/XXXX, logged in to Capital One on XX/XX/XXXX, and saw that a late fee had been charged. We called Capital One on XX/XX/XXXX, and they told us they had not received our payment. We talked to a supervisor, and she suggested that we should make sure our payment is received 5 to 7 days before the due date. That was her only advice. She did reverse the late fee. On XX/XX/XXXX, we received an email from Capital One that they still had not received our payment. As of XX/XX/XXXX, they have charged interest on the account balance. We called XXXX XXXX, which is our checking account, the evening of XX/XX/XXXX, and they asked us if the address had changed. We looked at our statement, and sure enough, the address had changed. XXXX XXXX put a stop payment on the check, and we went on XXXX XXXXs website to make the payment. It processed on XX/XX/XXXX. There is no notice anywhere on the statement to make it obvious that the address is different, and since we use bill pay, we didnt notice the change. We have had a GM Card for almost 30 years, and this is the first time in all that time that the address has changed, and I would call that a big deal. So our complaint is that, 1 ) there should have been a big notice on the bill that the address is different, and 2 ) when we called Capital One, that should have been the first thing they said, hey, weve got a new address. 
We had a similar issue with them last XX/XX/XXXX. Two months in a row, we called Capital One because they had not processed our payment on time and slapped us with a late fee. They had issued us new cards because of fraudulent activity, and we forgot to update our account number in bill pay. They could have nicely said, hey, update your credit card number in bill pay, but they didnt. It wasnt until we filed a complaint with you, and they filed their response, that we saw our mistake. I dont think they would have ever said anything to us about what was causing the problem if we hadnt filed the complaint. 
They dont try to help solve the problem. We cant help but feel that they dont want to point out our errors, so they can collect late fees and interest on their customers. 
We have credit cards with several companies, and this is the only company that we have ever had issues with. And I would also add that until Capital One took over the GM Card, we never had a problem with this card either.
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (UT)

XXXX Called Synchrony Bank and spoke with XXXX and provided routing number and account number to get my balance paid ( {$9600.00} ) since it didn't work when I tried to pay off the balance on the website. Received a confirmation number of the transaction. 

XXXX Called Synchrony Bank and spoke with XXXX to follow up on the payment since it didn't go through again. 
Called my credit union to validate the account number and routing number to get the balance paid off at Synchrony Bank. They stated that the account number was submitted incorrectly when trying to make the payment and that's why it didn't go through. Created a checking account for me to use bill pay to make the payment. 

XXXX Received XXXX separate letters from Synchrony Bank stating that " You made dishonored payments on other accounts with Synchrony Bank '' and closed all XXXX accounts. They were with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I signed up for a Transunion account today ( XX/XX/2021 ) and was instantly prompted to enter my credit card information. Thinking this was for identity purposes, I entered it. Later on, I checked my email to see that I was charged for a {$25.00} credit monitoring subscription I never even signed up for ( XXXX XXXX  EST ). I instantly canceled it the second I saw it however they already charged me for this service. I never asked for this service nor signed up for it, so I don't understand why I was charged for it. I also want to be made sure that I'm 100 % out of the subscription. I do not want to be a part of the subscription and would like it cancelled ( If it hasn't been already )
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MD)

Received approval for a mortgage loan with Quicken Loans ( Loan # XXXX ) and two days before closing my loan officer ( XXXX XXXX ) contacted me and said the loan was denied and I was not given a clear explanation. There was no communications from Quicken to suggests that my loan was not going to be approved. The only caveat Quicken asked was that I rent my existing property in order to qualify for the loan. I complied and provided Quicken with a copy of the lease agreement three weeks before closing. I was under the guise from my communications with the loan processor that the loan was approved given that Quicken had setup settlement date and was in communications with the settlement/Title company to close the loan. It was only until I received a telephone call from Quicken Loan two days before closing that they informed me that my loan was not approved. Quicken did not provide a clear response other than to question the integrity of my lease agreement. I find Quicken 's practice to be discriminatory in that I met all of their preexisting mortgage requirements to include providing them with a notarized lease agreement for my existing property which according to Quicken would qualify and approve me for the loan. That was the communications I received from my daily conversations with the loan processor. Again, it was only until 2-days before closing that they notified me that my loan had not been approved. Consequently, they had already setup a settlement date with the title company closing the loan. Both my real estate agent, title company the seller of the property I had intended to purchase were dismayed at this last minute decision. Again, my conversations with Quicken did not adequately provide an explanation other than to say my debit to income ratio did not meet their standards but this was not communicated to me throughout this loan process when started in XX/XX/XXXX. 

Secondly, Quicken initially offered me a pre-approval letter with an interest rate of 3.75 %. However, the rate increased to 4.125 % with no explanation provided. The process for this loan has been very disturbing and has left me without recourse other than to file this complaint with CFPB. 

If you require further information by email address : XXXX
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Our credit card was stolen and was promptly reported to the credit card company to block the card and avoid future fraudulent charges. Over a few weeks, we still noticed charges coming thru on a blocked card and the bank is unable to explain how a locked card can receive charges. 

They have since posted these fraudulent charges on the account and expecting us to pay. The bank representative suggested we close the account to avoid further unexpected charges instead of identifying and resolving the issue. 

The card we are using is BJs credit card. The services are provided commenity bank.
Consumer complaint received 2019-11-10
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. (AL)

XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from XXXX, Experian and XXXX  of one of the accounts being verified with no verification proof. The XXXX XXXX  account was updated as " not specified '' by XXXX. I reached out to the listed creditor only one replied ( XXXX XXXX/ XXXX ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to XXXX, XXXX, Experian and all creditors and haven't received verification based off the FCRA standards.
Consumer complaint received 2018-06-10
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. (FL)

Experian has re-inserted negative information that has already been removed. This is against the law. These accounts are fraudulent as I am a victim of identity theft and need to be immediately removed from my account : 1. US Dept. of Ed/XXXX/XXXX # XXXX 2. XXXX XXXX  USA/XXXX # XXXX 3. XXXX XXXX. XXXX. # XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.