davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

On XXXX, XXXX  my bill did not go through SYNCB/XXXX XXXX  - account with 1 missed payment. I am kindly requesting SYNCB/XXXX XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (GA)

Ability recovery services is listed on my credit as the collector for XXXX XXXX, I never attended XXXX XXXX. I filed a dispute 4 times over the past 3 years about XXXX XXXX and/or Ability Service Recovery Service and have told them that I never attended the school, I never physically signed an agreement with the school. They have ignored my attempts to get the negative remark removed from my credit. Ability Recovery Services is listed on my credit as {$1700.00} and again as {$1700.00}. 
The amount listed as {$1700.00} was opened on XX/XX/2019 The amount listed as {$1700.00} was opened on XX/XX/2019 I have never attended XXXX XXXX or ever called for information let alone signed an agreement to attend their institution.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. XXXX cell number. 
My complaint is agains Shellpoint Mortgage, XXXX New Rez. 
NewRez LLC XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Main Office NMLS ID # XXXX Loan # XXXX This company bought my loan XX/XX/2019 was my first payment to them. The original loan was for {$140000.00} and the appraised value was {$150000.00}. 
Attached are the loan payments. On XX/XX/2019 I paid a lump sum of {$21000.00} to lower the principle to under 78 % of value. I have attached files. 
I called to make sure my PMI was canceled, They made me do a written request which I did. I got a letter saying an appraiser would be contacting me in 7-10 business days. Well that didn't happen. After numerous phone calling and all kind of issues trying to talk to a person. I got a call in XX/XX/XXXX, from XXXX XXXX, a Broker from XXXX, not even in my market, did a " Broker Price Opinion '' yes, he is not an appraiser! Attached is his report. 
His lack of knowledge of the area, he used 3 properties in the city limits. I live in an exclusive neighborhood. The home to the left of me sold for {$170000.00} in XXXX and the home to the right of me sold for over {$300000.00} this month. 
They will not contact me back, I have left messages with XXXX XXXX, the Supervisor because my direct contact XXXX XXXX phone is now not working. XXXX. 

Pay the Mortgage Down to 78 % of the Purchase Price Because of the Homeowners Protection Act, PMI now has a default setting This is a level at which it a lender must cancel it automatically. The mortgage servicer is required to drop your PMI coverage when the outstanding balance of your mortgage drops to 78 % of the original value of your home. 

If the original purchase price on the house was {$200000.00}, your lender must cancel PMI when your outstanding loan amount drops to {$150000.00}. This is 78 % of {$200000.00}. 

This should happen even if you do nothing in an attempt to remove the PMI. You must, however, be current on your mortgage at the time this happens. Otherwise the lender is not required to remove the coverage. 
Please help, thanks, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (OR)

During this past month I received serval messages claiming to be Citi financial. 
I finally answered the call today, XX/XX/XXXX. Now, the person said they are from a company called XXXX XXXX XXXX or XXXX XXXX. They stated they are a litigation company and a pre-trial division and processing. They stated I owed {$2600.00} from a master card opened in XXXX. Said they were going to take me to court if I do not settle within an hour and pay {$1000.00}. I asked for more information. They sent me an email with a PDF that had limited information, no credit card number, incorrect address and name, and the letter head had no company address, just an XXXX number. Also, the email was suspicious. 
I called my bank for advice and spoke to someone in the fraud department and they told me to not provide any information to this company. 
When I spoke with XXXX XXXX after I spoke with my bank, they were very rude and threatened to file court paperwork right not since I was not willing to pay them. I was willing to pay, but wanted more information. I the past 4 years, I have never received any paperwork in the mail from this company or Citi Financial. However, they had ALL my information. 
I attempted to contract Citi Financial, however, I was not able to speak with an actual person. 
The phone number on the letter head is : XXXX. The number I was called from this morning was : XXXX. 
However, when I would receive a phone call from XXXX XXXX XXXX XXXX XXXX the numbers would vary and were other non toll free numbers. 
Literally, just a few moments ago I received a silent phone call from the company stating they were sending someone to my property today to serve me and bring the human resource manager. That number was from XXXX.
Consumer complaint received 2023-02-24
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. (CA)

the following inquiries are fraudulent and needs to be removed : XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (AL)

XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. EXPERIAN AND XXXX  HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH EXPERIAN AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. XXXX TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX  HOW THEY VERIFIED MY DEBT TO XXXX AND EXPERIAN. NOW DUE TO XXXX XXXX NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR EXPERIAN AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.
Consumer complaint received 2019-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc. (CA)

American First Finance took {$100.00} out of my account without authorization, or without a notice of charges being taken out. The money was also taken out past business hours so I was unable to call on XX/XX/XXXX. When I called on XX/XX/XXXX and tried getting the issue resolved they said they had no supervisors on duty as it was Sunday so they all take the day off, I would have to call back tomorrow morning. This needs to be resolved and doesnt seem like a legit operation if there are no supervisors present.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

This will be my third dispute filed with consumer finance regarding thisI filed a dispute with Equifax, XXXX, XXXX, regarding a BANKRUPTCY that is populating on my credit report thats is not correct and is wrong. They keep saying they have verified the information and they have not because when I call the bankruptcy court of XXXX they say the do not submit or verify information to credit bureaus. They refuse to remove the information. I have disputed this over 10 times I have even hired 2 different people to help dispute this and provided documents and they still refuse to remove it. The response XXXX keeps saying is they cant verify my information however I have sent the requested documents paystubs, bill, social. They are sending this automated response to not have to work on my case.
Consumer complaint received 2020-11-04
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: Advanced Collection Bureau, Inc. (FL)

Upon reviewing my account Im noticed that this account is still reporting. Letter requesting validation was originally sent XX/XX/2020. It appears that on XX/XX/2020 Advanced collection Bureau add a derogatory mark on my credit report per XXXX XXXX Upon, further research this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not Validate this collection. Also, there is no written form of communication, contract or signature this this accused debt at all. A Bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, ADVANCED COLLECTION BUREAU has violated my rights as a consumer and Im request legal action to remove this account immediately. IVE ATTACHED A COPY OF CERTIFIED RECEIPT ALONG WITH LETTER RECEIEVED BY DEBT COLLECTOR FOR RECORD PURPOSES.
Consumer complaint received 2019-08-16
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)

XXXX ; Experian and XXXX are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED ONE RESOURCES, INC. (MD)

Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.
Consumer complaint received 2019-08-11
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2018-07-26
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)

Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the XXXX breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over 100 points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KeyBridge Medical Revenue Management (MI)

On XX/XX/2019 I was a victim of identity theft and had to file a police report and start looking into my credit reports. Upon doing this I had found 3 collection accounts belonging to KeyBridge Medical Revenue totaling {$170.00} that I was unaware of and thought were paid through my XXXX XXXX. Immediately contacted Keybridge and paid these 3 accounts off in full and received a letter from them showing they were paid. I spoke to all 3 credit agencies ( XXXX, XXXX & XXXX ) XXXX & XXXX removed the collections from my credit file upon faxing the letter from KeyBridge to them showing the accounts were satisfied in full. after dozens of phone calls, disputes and letters, XXXX is REFUSING to delete these 3 collection reports from my file. I wrote two goodwill letters one to KeyBridge Medical and one to their President XXXX XXXX asking to please remove these collection accounts that have been paid with NO RESPONSE! 

I have placed 2 calls to XXXX XXXX who is a customer relations person and left 2 voicemails with no return call or response of any kind. I am applying for a mortgage and this will severely impact my application. If they are PAID why do they have to remain for 7 years on XXXX and not the others?
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Earlier this month, on about the 2nd of XXXX 2022, I attempted to open an online account with Chase bank. I deposited my XXXX relief check in the amount of, {$1800.00}. I tried to acces the account through the online application about 2 days later, and was already locked out of my account, was given a number to call to resolve the issue, I called and was told I would need to go down to the a local branch to present identification in order to have the account unlocked. The reasoning they gave was possible fraudulent activity.I went down to the local branch and provided my information. The person there told me that my account was already being closed. I was also informed by the same person that if the check was being processed I would be sent a cashiers check by the bank.If the check wasnt processed I would still be able to use the check at a different bank. I called about two days later to check on the status, and was told that the check had not been processed and that my account would just be closed. That was fine I went down to XXXX  XXXX XXXX, and opened a checking in the savings account with them I took the check with me to try and deposit it there.I was told by the people at XXXX  XXXX XXXX that the check had already been processed. this upset me because I was told on two different occasions by people at Chase that the check had not been processed.This was on XXXX XXXX I went down to the local chase branch and sat down and spoke with them in person again. I presented my ID my social and had the original check with me.The person at the bank called Chase headquarters and spoke with somebody in the fraud department for about 25 to 30 minutes there in front of me she told him I presented my identification and that I was sitting in front of her. they still refused to unlock the account and release the funds, at this point I was no longer interested in banking with Chase.I had already opened a bank account with XXXX  XXXX XXXX I was trying to move on and have the funds so I can deposit it with my new bank. here I am three days later Ive called them twice since then and they still will not release the funds from my bank account that I no longer want. I spoke with them this morning and theres still a hold on the account I informed them that I would be filing a complaint with the local and federal government.At this point I am extremely frustrated because this is Covid relief check from the treasury department Ive showed them IDs spoken with them several times presented them my Social Security card, and Im still not getting any positive response.Im not sure what else I can do at this point and that is the reason Im filing this complaint.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NY)

Absolutely ridiculous I filed a complaint and the chase executive office contacted me telling me my credit card would be reconsidered and they gave me a phone number to call but then I call and they said I can be approved but then I have a fraud alert and they said they have to trasnfer me to get the verification done on the app and thats it its processed and that their recommending it for approval but after I was transferred to this department and I was 3 hours on hold what a horrible experience to get this application approved this isnt fair why do I have to be on hold to speak with their verification dept why cant they call me and get this verified and my card sent they lending team told me I would be approved that this is a full al step the verification since I have a fraud alert and I did what they told me and the executive office called me advising to speak with them and it worked but the verification. Now is the problem I dont know what to do I just want my application processed and approved Ive been waiting too long and yes lending said that I qualify for the card they did the reconsideration Ans said I meet the credit criteria for the card and that the limit would be {$5000.00} but that the verification needed to be completed by that dept which they transferred me too but no one would Answer