davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (CA)

I had a loan with XXXX XXXX XXXX  XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX  XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.
Consumer complaint received 2018-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I recently sold one of my houses and am looking to buy a new one. I check my credit to see that my score has tanked. A main driver is utilization, and I see that XXXX XXXX XXXX XXXX apparently decreased my limit from {$10000.00} to {$2500.00} sometime between the XXXX and XXXX bills. I received no notice at all. I know that Reb B, FCRA and ECOA require that written notice be sent to a customer within 30 days of adverse action being taken. I received nothing. I called to find out what was going on. I was told immediately that there was a returned mail flag on my account and prompted to update my address. When I changed addresses, I filled out a form with the USPS to forward my address. If they failed to update my address when notified by USPS, and furthermore had multiple ways to reach me to let me know they had returned mail ( phone, email or online message center as I have always paid my bills via their online center ) then this is incredibly unfair. I want to dispute this and I want my original credit limit of {$10000.00} restored immediately! The agent on the phone today ( XXXX - who would not give me a last name, badge number or ID # of any kind ) said the only way to get it back was to apply for an increase. She assured me this would be a soft pull so I agreed. If this is a hard pull it will further decrease my FICO score. I asked her again if it was soft, she assured me it was and that the call was being recorded to capture that she verified that for me. This is not OK to destroy someone's credit by taking something away that they have never abused AND not letting them know, only to be caught blindsided by it at a crucial time when their FICO score is important. Please help to restore my credit limit back to where it was. I do not need the credit, I need my credit score back and will be closing my relationship with XXXX ( which I have had since XX/XX/1992 ) if this is not resolved.
Consumer complaint received 2021-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

Hello My name is XXXX XXXX and I'm america with XXXX. I'm documented in my state if I need proof. 

I'm here for help. I have student loans and I believe I was taken advantage. I believe the people from Navient was not working in my best interest. 

I just feel I was given the wrong information and now I'm in a situation where I'm paying outrageous Dept. Also taken advantage of my XXXX and giving me false or misleading information. 

I'm lost thanks
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (NY)

I returned this vehicle and bought a new vehicle the same day. The dealership told me they would pay for final disposition fee. I was never late on his account ever! I have a perfect credit history and I just applied to refinance my mortgage and was made aware of this inaccurate information. I am outraged and humiliated! Also, how can an account go from paid as agreed to all of a sudden 60 days late?
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a loan with XXXX XXXX XXXX  XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX  XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: PNC Bank N.A. (FL)

Consumer service card holder had the loadable only credit/debit card stolen and or lost on reported date XX/XX/2020. 
This is a PNC XXXX cash card account. 

In question is the financial institution as well as the associates of intentional fraud regarding the account. The card at this point is reported in use for criminal activity.
Consumer complaint received 2020-05-04
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. (GA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-21
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. (NJ)

Lost card and requested new card to pay the bill online. XXXX not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (ME)

I pulled my credit report and noticed that Equifax only was reporting a Medical Bill collection on my account. The date listed was XX/XX/2019 in the amount of {$550.00} by a company called Medical Data Systems INC in XXXX FL. I have no recollection of this Medical Bill and contacted XX/XX/XXXX to dispute the Medical Bill and find out more information. XX/XX/XXXXrefused to remove it and said I had to contact the collector. I contacted the collector, Medical Data Systems INC., at phone number : XXXX. After review of the account, the address they had on file was incorrect and never was my address ( same street and home number but totally different city and zip code ). I then informed them of the incorrect information and asked for This to be removed from my credit report. I also sent in a notarized letter to both XX/XX/XXXX and Medical Data Systems INC with my most recent bank statement and my drivers license to prove my addresses at : Medical Data Systems INC XXXX. XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX I still have not heard from either company and request that this be removed immediately.
Consumer complaint received 2020-09-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the information.
Consumer complaint received 2020-10-21
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: FIRST HORIZON BANK (TN)

ONCE AGAIN I HAVE ASK XXXX  TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.
Consumer complaint received 2022-04-05
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX FIN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand that the inquiries is removed from my report. I did not authorise this inquiries. I have not heard anything from the credit bureaus about these inquiries. I demand that it is removed from my credit report.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Lost card and requested new card to pay the bill online. Citibank not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.
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: EQUIFAX, INC. (OH)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  XXXX, OH XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (OK)

I've filed a dispute with XXXXXXXX XXXX XXXX XXXX where I have been XXXX  in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Where I am XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX  XXXX  Identification with my Social security card. which could've all been verified by the XXXX  XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX  for the past XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.
Consumer complaint received 2020-10-21
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. (NJ)

I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I applied and received credit for a Rooms to go Credit Card with a limit of {$2500.00}, in XX/XX/2020. I bought the Card security protection for {$9.00}. The security protection states that if in any event I lose my job they will pay the credit card balance up to {$10000.00}. I made a purchase for {$1100.00}. I made all the payments on time until XXXX when I lost my job due to COVID. I filed a claim with the security protection insurance company and the claim took two month before it was finally approved. I received a notice from the insurance company 3 months ago stating that my account was settled and my balance was XXXX out. However if I made any new purchases they will not honor it. On XX/XX/2020, I received an alert that my credit scored dropped 42 points due to synchrony bank inaccurate reporting. synchrony bank Rooms2Go reported that I have a delinquent balance of {$75.00} and a late fee of {$35.00}. When I called to inquire a representative at synchrony bank told me that the insurance company charged a premium and I needed to contact them. When I called the insurance company a representative told me that they paid the remaining balance of XXXX in XXXX, which is the amount that synchrony bank presented and there is not supposed to be a balance. I then called synchrony bank again and was told that they made a mistake and reversed all the charges and the account was XXXX out. However I spent 1 year and {$900.00} in credit repairs to get my credit to a XXXX, I am in the process of purchasing a home and now my credit score is reflecting XXXX, I am unhappy, because as a consumer I was responsible enough to purchase the protection, and synchrony bank should of updated this information before it negatively impacted my credit report.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ballybunion Enterprises, Inc (KS)

There was no legal contract in place for this account and as part of an agreement handled with XXXX XXXX help the account was settled and to be removed from my file. It has not been removed and is reporting late when the money they were attempting to collect was not covered in a contract.
Consumer complaint received 2022-04-05
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX FIN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (GA)

I paid off this auto loan over 3 years ago it is still showing a XXXX balance on my Credit report but showing 120 days late..this is negatively affecting my credit this needs to be removed from my credit report altogether thanks account number XXXX XXXX XXXX XXXX XXXX  Account 1 : XXXX and Account 2 :  XXXX XXXX XXXX DOB XX/XX/XXXX
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (FL)

For weeks I have been recieving calls from a phone number which my XXXX identifies as XXXX, but the recording says it it from XXXX ( XXXX, I guess ). It gives me the reference number XXXX. When I first called then back, they told me that they were trying to collect a debit from XXXX XXXX XXXX, at a specific address in XXXX, Fl. I told them that this is not my company and I do not have any connections to the address they gave me. They asked for my phone number to lookup their system. I gave both my home and cell. They couldnt locate it on their system. They told me it was a mistake and they would update their system. That was during the first week of XX/XX/XXXX ( I kept the voice mail recording ). Since them, they have called me at least 10 more times, twice this week alone. For the first few, I ignored. The last two I answered and I got really aggravated as they still can not locate an acount with my phone numbers but somehow keep on calling to bother me with a debit of someone else. What else is left for me but to have an ulcer over this?
Consumer complaint received 2018-04-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I received a phone call around XXXX XXXX  a couple of months ago regarding my ex-husband 's wife 's mortgage account with Carrington Mortgage. Informed the company of the situation and they said they would take my name and number off the list. Called Carrington Mortgage the next day and they said that I would have to talk to my ex-husband to have my phone number removed. Spoke to a supervisor and a very heated discussion and informed him that I had been divorced for 17 years and did not sign any paperwork on this mortgage and finally he agreed to remove my information. Last night XX/XX/2018 at XXXX received another call asking for her and informed them of the same information and the person hung up on me. Contacted my ex-husband and told him this need to stop and he said he would contact them on XX/XX/2018. He is not sure how they are getting my contact information. If you call the number back that is contacting me, it says that there is an account associated with my phone number and to enter the last four of the social security number. This is a mortgage on her family home that they purchased from her parents after they were married. I have nothing to do with this mortgage or signed any papers.