davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

The problem I have with waifer credit card is that they continue to charge XXXX dollars that I paid 3 years ago XX/XX/2017. I exposed this problem in XXXX of this year they fixed it and they reloaded the same amount now in XXXX how many times will I have to. pay this money where I bought my mattresses 3 years ago they only tell me that they have to go back to investigate again I do not understand
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have mailed a detailed letter to Navient underwriters or General Correspondence & Submitting Documents. I have sent it on XXXX XXXX, 2017 via USPS tracking number XXXX.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

Hello, My mortgage servicer is Dovenmuehle. When a Covid19 started I did reach out to them for more information regarding forbearance. As I did not get an answer I continued with monthly payments. 3 weeks ago i did receive a letter asking to sign for forbearance. There was no information about how it will follow after that ( if i will have to make a ballon payment, or one time lump sum after the period and so on ). I called the representative for explanation, but I only got an answer : " sign the documents and at the end of the period our representative will reach out to you and you will see what options do you have ''. I have never seen such activity, that a customer needs to opt in into program, not knowing what is the outcome. ( they can XXXX a customer down with this ). Other companies do provide plans and documentation of repayment before even going to forbearance plan. I did decline to sign any documents and go with that plan. Now the problem is that i can not make my monthly payments online. As I log in and try to make a monthly payment I get this message : " Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX with any questions ''. Did try to call this number and no luck contacting the representative. In addition I have problem with this company Escrow collection, too. I have multiple times asked to stop it as I want to do it myself. All the time there is a huge delay. Last time I got an answer that Im eligible, but still cant do it ( i am with them for more than 24 months, escrow is up to date and I did put 20 % down on this mortgage ).
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

XX/XX/2020, XX/XX/2020, XX/XX/2020 dates I have tried to contact this company to request a 90 day forbearance or assistance due because of Covid19 I loss employment and am waiting for my the State of Georgia to catch up with it's backlog for unemployment payments and applying for as many positions that I show well qualified for. 

However I have attempted to contact Santander via phone, chat and their message portal. When I reach a representative they can not help me because the way they have coded my account no one can see my account. 

This was the other reasoning behind my last complaint. I am not in an active bankruptcy. Santander has never been listed in any bankruptcy for me. Until XX/XX/2020 I have made the majority of my payments prior to the due date. If I were under a bankruptcy making consistent direct payments to your creditor would nullify the bankruptcy. 

I can not be considered for any assistance because no one can see my account information to make a determination. 

This is ironic. My complaint is that my creditor 's customer service department will not talk to me. Since they can not talk to me to discuss my loan options they are denying me any options. 

Their chat now tells me to contact customer service. When I contact customer service they say they can not access any information on my account other than to transfer me to another department. When they transfer me I get someone in the legal department who does not have access to the information on my account, they do not have the information regarding my options and they are not authorized to negotiate and make a determination regarding those options.
Consumer complaint received 2021-01-24
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. (AL)

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

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 These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello there I am XXXX XXXX. On XXXX XXXX 2020 someone withdrew {$740.00} from my EDD account with Bank of America and now they dont want to return this money I have try for many different ways but they just dont want to give me my money back. 
That happened on XXXX XXXX Ca they told me that it happened about XXXX XXXX  I really need your help with this matter.
Consumer complaint received 2021-10-14
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. (NV)

I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from my Affidavit report attached )
Consumer complaint received 2020-12-05
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. (MI)

On XX/XX/2020 I sent 2 dispute letters each to XXXX, Equifax, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX  is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I have a CareCredit card with Synchrony Bank for as long as I can remember, and never made a late payment or went over the limit. The cars currently sits with XXXX balance. My credit scores are over XXXX depending on the bureau and my salary is over $ XXXX per year. 

Now. I applied for a Verizon Credit Card issued by Synchrony Bank on XX/XX/2020. My credit bureaus are usually frozen as a personal choice to protect myself. I unfroze XXXX  and applied. I got a credit pull but the application said Id receive a letter. They didnt mention approval. 

I had to spend about 30 minutes calling different numbers at Synchrony Bank and getting transferred, until finally I was connected to the department in the bank that deals with the Verizon card. After a while, and using my social ( not the confirmation number ), the lady said the credit check was not done and to please unlock XXXX, so I did. I got another hard pull on XXXX  this time. She immediately transferred me to another person who then told me Id receive a letter in the mail, but no answer. So far I have 2 hard pulls on my credit reports and no answer. 

I called again and a person finally told me my application was denied, without providing any information. I asked to speak with the lending or reconsideration department because the bank could easily either convert my CareCredit card to a Verizon Credit card, or transfer enough credit line to open the new account. This person stated there was no such thing and there was nothing that could be done. 

Synchrony Bank acts like a XXXX it seems. They ruin your credit by doing 2 hard pulls and at the end you dont get anything. This is completely unacceptable and they should be held accountable.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score. 

No derogatory information should have been reported, because the account was closed in XXXX.
Consumer complaint received 2021-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT!

These student loans must be removed from my credit report immediately.

U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX
Consumer complaint received 2020-08-29
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. (PA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Made a one time to payment to clear the balance with a capital one credit card. My husband is XXXX XXXX military and we Had to relocate due to the military forcing me to be on leave without pay for about 6 months. I made the payment to the card and it cleared as agreed but capital one refuses to update my credit report showing the account as paid off.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Experian. Please block/delete/update the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-03-23
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

XXXX XXXX XXXX  calls me regularly, at least once per weekday, from a variety of phone numbers so that no one harassing number can be blocked. They almost never leave a voice mail message. 

They refer to me using a maiden name I have not used legally in over 15 years. 

I do not owe any debt. These calls are pure harassment. I have received no mailings, email, or other proof of whatever debt they are alleging that I owe. 

Recent calls from various numbers include : XXXX from XXXX XXXX from XXXX XXXX from XXXX XXXX from XXXX
Consumer complaint received 2020-11-16
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: JPMORGAN CHASE & CO. (FL)

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - XXXX XXXX XXXX status closed charge-off {$3100.00} In XXXX 1XXXX XXXX XXXX on D .status closed charge-off {$1400.00} 2-JPMCB card services status closed charge-off {$3100.00}
Consumer complaint received 2024-02-27
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 filed a FTC report and submitted it and explained that these Inquiries ar in fact not mine and I want them removed within 72 hours. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not approve of these inquiries and they need to be removed.
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

The company is called Enhanced Recovery Company. They refuse to verify the accuracy of my information. The debt is for a XXXX  phone I returned over 6 years ago that XXXX stated they never received. The debt collector now continues to Re-age my debt so it can look recent and continue to hurt my credit score. The amount is over {$1500.00}
Consumer complaint received 2021-10-14
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. (LA)

My purse was stolen ( XXXX police report number XXXX ) and my identity was used fraudulently to apply for multiple accounts. This crime resulted in over 40 fraudulent inquiries, personal identification information, employment information, and other inaccurate information on my credit reports from all credit bureaus.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting the name of the " original and any intermediary or vendor source or source '' Experian used to verify a disputed bankruptcy record. Experian completed its investigation on XX/XX/XXXX  for report # XXXX. My request for this vendor is consistent with the FCRA law which states that CRA 's must provide the " source of information '' upon request. Additionally, according to a press release dated XX/XX/XXXX  by the CFPB, CRA 's are required to provide consumers the following : Must be provided the information in a format that will assist them in identifying inaccuracies, exercising their rights to dispute any incomplete or inaccurate information, and understanding when they are being impacted by adverse information. 

Must be provided with the sources of the information in their file, including both the original and any intermediary or vendor source or sources. 

Experian continues to refuse my request for this information prohibiting me from conducting a full dispute to correct this inaccurate information. THIS DISPUTE IS NOT A REQUEST FOR VALIDATION OR VERFICATION. It is a request for the sources of the information.
Consumer complaint received 2020-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi I am trying to get payoff information on my equity credit line attached to my house acct ending in XXXX that was charged off in XXXX but its still attached to my house. I went through bankruptcy but didnt include my house. There lies the problem. Due to BOA charging off equity line then my filing bankruptcy, even though house not included in bankruptcy NO DEPT would take responsibility for issuing payoff letter so around in circles I was transferred/put on hold/disconnected etc. I am selling my house and signed contract XX/XX/XXXX and was supposed to close XX/XX/XXXX and signed extension to XX/XX/XXXX and now extension through XX/XX/XXXX with same approved buyer. I have so far missed two closing dates for lack of payoff information from Bank of America I have been communicating with Bank of America since XX/XX/XXXX when XXXX XXXX was getting no response to payoff request. I have been calling/transferred to following depts : Bankruptcy XXXX option XXXX then option XXXX again ALSO XXXX XXXX XXXX XXXX  XXXX ALSO Non-converted loans dept XXXX. After little or no help getting payoff and daily run around I sent an email to corporate customer service. XXXX XXXX and received a call from XXXX XXXX XXXX Ext XXXX who is trying to assist me but no payoff info yet. I contacted my attorney who helped me with my bankruptcy ( which I did not include my home in the bankruptcy but we never received communication from BOA concerning the second mortgage during the bankruptcy process so my attorney stated that I would just need to contact him if I have issues, which I did and he recommended I make a complaint with the XXXX and your FL Dept ) I have filed a XXXX  complaint and now filing with you. My nerves are shot Im XXXX XXXX XXXX XXXX have XXXX etc.etc. trying to get this handled I have spent time on the phone since XX/XX/XXXX every day from three hours at a time getting disconnected then trying again and again sometimes up to nine hours a day Im promised this that and the other but never get the payoff letter sent to my title company the amount wont change {$27000.00}, theres no fees to add to it, its the amount they charged off but still they cant send over a simple payoff letter with that amount on it, they can tell me the amount but they cant send a letter. I am at my wits end please help me before I lose the third closing with my approved buyer on XX/XX/XXXX XXXX
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (CA)

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Navient reported incorrect loan amount on my credit report. I contact the about the loan and disbursement amount and I need received the amount they reported on my credit. On XXXX XXXX, 2017 Navient report Two separate loans in the amount of {$XXXX} and {$XXXX}. This is false and illegal.