davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

BarclayCard 's payment amount taken does not make sense. BarclayCard took more than the current balance was and thus the account now has a credit balance. They state that they will wait up to 5 days for funds to clear and an additional 10 days ( 3 weeks if business days ) to receive a paper check. The XX/XX/2020 statement balance was {$700.00}, due XX/XX/2020. A credit of {$420.00} posted XX/XX/2020 and I expected the payment amount to be reduced to the remaining {$270.00} due ; however, {$690.00} was taken on XX/XX/2020 which was greater than even the current balance at the time. I recommended that they reverse the initial ACH & deduct the appropriate amount instead. 

On the billing statement it states that it will be adjusted down if your Current Balance is less than the dollar amount you've selected however this did not happen : REMEMBER ... YOU ALREADY SCHEDULED YOUR PAYMENT This month your statement balance of {$700.00} is scheduled to be paid on XX/XX/2020. Thank you for taking advantage of our Repeat Payment system. 
It's an easy way to make your payment each month. 
Please be advised that your payment will be adjusted up if the Minimum Payment Due on your statement exceeds the dollar amount you've selected or down if your Current Balance is less than the dollar amount you've selected. This payment information is accurate as of your statement closing date. If you need to make changes to your payment you can do so until XXXX XXXX ET on XX/XX/2020. For more information on your Current Balance, please contact us at XXXX or visit us online at BarclaysUS.com.
Consumer complaint received 2020-05-30
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: Franklin Collection Service, Inc. (NE)

A collection account was removed from my credit report from Franklin Collection Service. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.
Consumer complaint received 2021-08-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing this complaint about Trans Union and XXXX  Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was reviewing my credit report and saw this account that was NOT familiar to me and I contacted the listing agency portfolio recovery to inquire about this account. 
They could not verify my information to match what they have hence they were unable to establish that I was the correct person. 
However the account I disputed they in response said it belongs to me. 
I have never received any notification from this agency to dispute this fraudulent account that has been opened. 
This is hurting my credit and is against the law to place this account on my credit profile without giving me the right to dispute this account. 
They need to show what legal proof they have to ensure this account belongs to me since when I called they dont even have my correct date of birth associated with this account that they are reporting on my credit file. 
This violates my FCRA ( A creditor failing to notify you when it supplies negative credit information that has not been verified ) please understand what verified means exactly not just a form that this company has mailed out.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rocket Mortgage, LLC (PA)

THIS COMPLAINT about Unautorized hard inquires left on my credit by the third party after complaint XXXX XXXX, i have a fraud alert on my credit bureau after figure out someone uses my identity to apply for a credit line, so i submit a claim for all creditors run my credit without authorization XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (PA)

On XX/XX/2021 Source Receivables Management sent a letter to my address in an attempt to collect a debt which I do not owe. I was told by SRM that if i did not pay the debt my credit would be negatively affected and I would not be able to receive services with this business again. They also called me several times in an attempt to collect this debt. According to 15 USC 1692D I have been harassed and my right to privacy as a consumer has been violated. I sent over a payment on XX/XX/2021 in the amount of {$450.00} which I demanded an immediately refund as well as {$2000.00} for two violations. They never responded to my certified letter nor did they issue any payments.
Consumer complaint received 2020-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I have a home loan through Loan Care. This company keeps returning my payments no matter how I have tried to pay them. I have several returned payments in my possession that need to be applied to my account but Loan Care keeps returning them to me. I have even had my bank try and submit payments for me and they keep getting the wires and payments returned as well. I am being told that it is not the full payment this is why they are returning so I have sent a copy of the Illinois Law 205 ILCS 635/5-8.5 stating that even if a person is behind on their mortgage the loan company still is required to take payments as long as there is a full month of payments trying to be submitted. I currently have 4 full monthly payments in my possession with another being ready to have as well that I can not get this company to take. I am getting no assistance from them when i call their number and when they call me it is just a recording stating to call them. I have reached out to my state representative who is also been trying to assist me with this problem per direction from my bank. I dont know what I am to do and this problem is just getting worse as time goes on. They are sending people to my home to several times a week to confirm it isnt vacant and charging me fees each time. The lady reported I am there and have been cooperative with here and they insisted she post an abandoned notice on my door. She advised me as well to reach out to someone as well because she didnt understand why she was still being instructed to do all these things. I need help since this company is clearly doing things that they are not suppose to be doing to people.
Consumer complaint received 2021-08-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing this complaint about Trans Union and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

I am unable to lift my security freeze with Equifax. I have tried several times. The last time I submitted a complaint about this you, the cfpb or equifax or someone conflated my complaint with my husbands equifax account. Please do not do that again. I want to lift my equifax security freeze please.
Consumer complaint received 2021-06-22
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2020-05-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have visited XXXX of XXXX XXXX on XX/XX/2021 to shop for used cars. After I looked at a particular car, I was speaking with the sales agent about the final price. As part of the quotation, the dealer took all personal details from me including SSN. When the sales person requested my authorization to pull the credit report, I have straight away denied it and did not authorize a credit pull. Later after reaching home, I see a hard pull on my credit report from XXXX of XXXX XXXX which I have not authorized. I spoke with the manager at the dealership, who was falsely claiming that I gave authorization just by giving my personal details. More importantly, I suspect fraudulent activity as this was an unauthorized credit inquiry. 

Dealership : XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am trying to refinance my mortgages, and Specialized Loan Services is completely failing to respond to any inquiry from either me, or my new loan provider. I have attempted to contact them repeatedly in the last few days, and my loan provider has been trying for weeks. I've tried via phone and secure message and have been ignored.
Consumer complaint received 2020-05-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX claimed that they had never received my XXXX payment, which Chase confirmed had been sent and processed by XXXX from my Chase account, as per complaint ID XXXX filed on XX/XX/23. XXXX, the attached information appeared under my account via XXXX online, which I provided to XXXX XXXX in Benefits HR at XXXX. Her email address is XXXX. According to an email from XXXX XXXX on XX/XX/23, my payment had not been located yet. It was a XXXX XXXX XXXX paper check, according to Chase. 

I am asking for an explanation from XXXX and from Chase of this " canceled transaction '', and would like to know when I will receive interest on the funds that were floated. 
I would like confirmation from Bank of America that my XXXX coverage will not be canceled. 


Regards, XXXX
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX & XXXX XXXX 16. XXXX XXXX 17 Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ID)

I applied for a mortgage refinance in XX/XX/2020 with a company called XXXX XXXX  XXXX. At the time, XXXX partnered with American Express to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's American Express account XXXX weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to XXXX ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take XXXX weeks to post would take another XXXX weeks ( total of XXXX weeks, which is after the promised timeframe of the offer ). 

After waiting almost another 2 weeks, I again inquired by email with XXXX on Saturday XX/XX/2020 since it had now been XXXX weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday XX/XX/2020 ) from XXXX was that the credit would take an ADDITIONAL XXXX weeks, therefore putting the timeframe in which I receive my credit at XXXX weeks after my loan closed. I had also called American Express and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were XXXX weeks. That means IF everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait XXXX weeks longer than the offer timeframe that I agreed to.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I have a collection account listed on my credit reports by a debt collection agency, CCS-Credit Collection Services, collecting on behalf of XXXX XXXX XXXX XXXX CCS is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Consumer complaint received 2021-09-20
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. (LA)

I have creditor that are old and have been paid out that should be removed from my report. They are over 11 years old that need to be removed. Experian refuses to have them remove.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX XXXX XXXX on XX/XX/17 and asked them why they accessed by credit file on XX/XX/2017 and why they have put a Hard Inquiry on my Transunion credit file without my authorization they transferred my call around and I got no reply.
Consumer complaint received 2021-09-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had one outstanding auto loan with XXXX XXXX. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit reports.
Consumer complaint received 2023-01-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.