davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020, I received a letter of false and misleading information. The letter stating : Activity on accounts with Synchrony bank indicative of high risk of failure to pay. Synchrony bank has decided to close your account. '' I called Synchrony bank at XXXX the first rep was a female which did a COLD transfer to the Fraud department. A man for the Fraud department gets on the phone " You can hear his children screaming and yelling in the background. '' " A female in the background yelling, " ****x***. '' I was then cold transferred to another guy that was RUDE telling and put me on HOLD for more than 10 minutes while, he finishes his breakfast and cleaning up. ( ( ( ( ( I don't have bad credit or no indication of bad credit.. SYNCHRONY IS LYING AND Their system does not allow me to pay my credit card over the phone only in the store. Now, since, Synchrony has lye and closed my account under false pretenses and their agents are totally RUDE ... The supervisor refused to get on the phone and I request for the agent to file
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Im horrified by the lack of good information to help customers of Navient. They purposely lower payments to the interest payment amount t in order to have a forveverloan. Ive called several times over the years to get help due to financial issues and hardships after each childs birth. I return to paying like normal after each time. However, I asked what they could do and they read back the lowest payment was the total monthly interest total! I said isnt that my interest payment total? They state each time yes were able to help you lower your payment though. They purposely lead borrowers to have a forever payment. They do not tell you Ill be paying nothing into principle. ( mind you - you should know your payments information ) This is deceitful and should not be tolerated. I took this opportunity while working two full time jobs to get my degree and get a good job. I know there are millions of people who are trusting Navient to have their best interest at heart. This disgusts me! They are loan sharks. Please look into this as they are not practicing ethical behavior.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
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. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} MXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC (WA)

On XX/XX/XXXX I received an email from Bright Lending telling me my loan had been approved. I had not applied for any loan. My house recently burned down and I am currently trying to purchase a home and was told not to open any new accounts. I opened the email on XX/XX/XXXX and went to the website which had electronic signature information dated XX/XX/XXXX with an IP address out of XXXX AZ, I am located in WA state. I then emailed the company letting them know I had not participated in this at all as it was too late to call them. On XX/XX/XXXX I called first thing and they were very helpful and canceled the loan. She said that if the funds did transfer into my account they would be removed within a couple of days and would receive a cancelation email. I never received an email and {$1000.00} showed up in my account that day. I waited 3 business days and called again and was told it would take 3-5 days and my loan was officially canceled XX/XX/XXXX. I asked again for an email and did receive it timely. Today XX/XX/XXXX I chatted with someone online because the money had not been removed. I was told they would have someone call me but couldn't say when so I called myself. I was told that for them to remove the funds I had to complete an affidavit at indentitytheft.gov, take the affidavit and file a police report and then fax the police report to them to have the funds removed. WHO OWNS A FAX?! I was also told that my information was received from a third partY site XXXX. This loan was approved automatically they never contacted me to verify it was a valid request. I feel like this is predatory I did not and would not apply for a loan with a 699 % interest rate and they are making it extremely hard to return the funds. I now have to change my checking account information because I'm afraid they are going to start taking payments out. I've also frozen my credit hoping that something like this doesn't happen again.
Consumer complaint received 2023-02-03
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Consumer complaint received 2020-08-29
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: Experian Information Solutions Inc. (NJ)

In XXXX, I was laid off my job. I immediately contacted XXXX regarding my Platinum card. They advised that they would help me establish a payment plan and the card use would be placed on hold. Until this juncture, I had been a current customer for almost 5 years. A positive and lengthy history. 

The arrangement was to pay monthly and all past due balances needed to be paid in full by XX/XX/XXXX. I satisfied this payment arrangement and XXXX waived the XXXX annual fee but restricted access to credit to a {$1000.00} dollar limit on this card. This is a high annual fee card, {$490.00} a year. I asked when the {$1000.00} dollar limit restrictions would be lifted. I was advised I needed to provide another year of history. 

A year later, XX/XX/XXXX, I had to pay the {$500.00} annual fee but XXXX still has not removed the {$1000.00} limit restriction. They also will not provide an estimate of when they will remove any internal credit limit restrictions. Additionally, for the year of XXXX, they incorrectly reported to the credit bureaus that I was under a payment arrangement. The payment arrangement was satisfied over a year ago. I had 1-30 day past due over a 5 year history and this is being considered a negative on my credit reporting due to how XXXX is improperly reporting my credit history.
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. (CA)

I sent a letter on XX/XX/XXXX to remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} Which are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
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: KINGS CREDIT SERVICES (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-29
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)

Consumer Financial Protection Bureau. 

EXPERIAN CONTINUES TO REPORT THAT MY DISPUTE OF THE FRAUDULENT MORTGAGE ACCOUNT BY XXXX XXXX XXXX REPORTED TO MY CREDIT FILE AS A DUPLICATE FOR THE SEVENTH TIME. 

My credit file with Experian lists an FRAUDULENT MORTGAGE IN MY NAME. Experian continues to report it even when I have provided a POLICE REPORT OF THE ACCOUNT REPORTED AS FRAUD.
Consumer complaint received 2020-10-28
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. (CA)

Paid to settle this account XX/XX/XXXX Theyre reporting it to be settled XX/XX/XXXX They also reported a Charge-off in XXXX, one month after the account was settled. 
Too many inconsistent reports on my credit report.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

After reviewing currently documents received from " Experian '' in reference to an account under the name : XXXX XXXX XXXX XXXX. 

According to Experian : the company has some how verified this account. Of which resulted were not satisfied. As a result of this response Experian response. I hereby challenge the company methods of verification under federal law section 609 ( b ).
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

major companies affected : XXXX ( oil ) and XXXX formerly know as XXXX XXXX XXXX capital ONE XXXX XXXX 1- will not work w financial hardship 2-closes acct on basis of chXXXX attempted but all future offers of credit refused because company wasnt paid ( I excised my right whether upright law executed it is another matter. companies can not act in this manner to refuse new acct based on credit options excised by consumer. ) 3-refuses to remove spurious charges ( extra interest, etc. wants full payment on acct ) and makes claim that they are unable to work with people without an attorney on retainer, yet when I had one on retainer, ( upright law ) they still refused. 

when claim is made it is under threat of lawsuit and over the phone, never in writing ( XXXX on behalf of XXXX XXXX ) and consumer " Must respond immeadiately '' to collection efforts. These companies are not being help responsible. 

capital ONE explicity : 1-WILL NEVER DELETE bad info about consumer. 
2-extends credit repair terms to 12 mos vs 6 for credit extensions 3- will not issue even a secured card which the consumer has to issue money for because of above.
4- refuses to turn acct over to people who might give a XXXX about consumer rights, but claims they are not covered under FCRA law.THIS IS EXTORTION. 

My income can not be garnished. Get a clue.
Consumer complaint received 2024-02-02
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. (DE)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-08-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I got a Loan for {$500.00} from XXXX XXXX in XXXX. It was not totally paid. In XXXX, NCA put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

This is the third complaint against LexisNexis demanding they fix gaps in coverage showing on my Current Carrier insurance report as per FACTA. I have sent them a PDF file via email last XXXX, containing the Declaration pages for all the uninterrupted auto insurance coverage for the past 7 years. I have received an updated report from them, dated XX/XX/XXXX and it is still showing incorrect gaps in coverage Specifically, the XXXX policy showing on the report, policy ending in XXXX, the from date is showing incorrectly as XXXX, when it should be showing XXXX. There is two other XXXX policies with the same policy number ending in XXXX missing from the report ; one of them has a from date of : XXXX and a to date of : XXXX. The third XXXX policy missing ends in XXXX as well and has a from and to date of : XXXX and XXXX respectively. Furthermore, there is several XXXX policies missing. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX.
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

We were denied a Modification Acceptance from Rushmore Loan Management even though the XXXX XXXX Guidelines say the Servicer must follow all waterfall actions in any XXXX auctions bought by investors. 

The Denial Letter should follow The guidelines for principal reduction are that your LTV has to be less than 115 %. 

Also There are no requirements for a deposit. And we are being denied in the letter for not offering a good faith deposit. 

Finally The Servicer Rushmore has violated RESPA by not providing us with the NPV inputs. 

This is a total & complete failure to comply with the XXXX XXXX bidder requirements and of the Servicer Rushmore Loan Management as well as all of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a credit card with Bank of America. I scheduled an auto-payment and received a confirmation that payment would be made on XX/XX/XXXX. However, I then changed the auto-payment options from minimum payment to the full balance due. On XX/XX/XXXX, I notice no payment had been made and called Bank of America. They explain that changing any auto-payment option cancels that month 's payment entirely, with no alert or notification while continuing to say that auto-payment is set up correctly. 

Essentially, they have intentionally set up their system to dupe customers into thinking auto-payment is engaged, causing them to miss payment dates, and to extract late payment fees.
Consumer complaint received 2017-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was informed by my bank XXXX XXXX, XXXX that my business checking account was being closed, the letter states I will receive my funds via a cashier 's check, I have yet to receive a cashier 's check. this is the letter I sent to my bank in an effort to resolve and retrieve my funds from my closed account. 

Dear XXXX Department, This letter is in reference to my business account ( account # ) which has been unduly closed due to fraudulent activity on my daughter checking account. I have been a account holder with Bank America since XXXX, over the years with Bank America Ive experienced many of your business tools and several applications up to maintaining a merchant account, and Ive never had any problems with any of my bank accounts. 

In XXXX I encouraged my college bound daughter to open a bank account with Bank America as part of a generational step in her financial future, never did I think it would result in fraudulent activity on her account resulting in the interruption of my business account. This interruption, the freezing of my account funds is creating a major problem for my business, I can not pay my bills, or make any purchases. 

It is my declaration that I, my name have no knowledge of how the fraudulent activity occurred on my daughters account, nor do I have any association with the fraudulent activity on my daughters account, and I am completely unaware how this fraudulent activity happen. And may I add these accounts were not link, I was only added to my daughters account in case of emergency. 

In closing I wish to remain and maintain my business account with Bank America, Ive been very satisfied as a customer at Bank America, so I kindly request that you unfreeze my funds so I can proceed with my business financial matters. 


Regards, My Name My phone number,
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for Trans Union, XXXX  and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.
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: CCS Financial Services, Inc. (GA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.