davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Contacted Bayview Loan Servicing, my mortgage lender on XX/XX/XXXX or XX/XX/XXXX to request a 12 mos payment history. Rep advised me it would take 48 hours. It was right before XXXX XXXX weekend so I expected it may not be done till Monday or Tuesday. I called in on XX/XX/XXXX and was advised by the rep that it would be available on the client portal XX/XX/XXXX. It is not and I have called in 4 times and been put on hold and hung up on. 

My financial adviser needs a copy of it for a refinance and I have a limited number of days on the rate lock.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention a matter of grave concern related to my recent investigation of my credit report. The findings of this investigation have not only caused me severe distress but have also revealed multiple unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with utmost accuracy. 

As stipulated by the Fair Credit Reporting Act, it is imperative that every detail on my credit report is reported with complete precision. This requirement is underlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly outline the necessity for accounts to be reported with absolute accuracy. Regrettably, the credit reporting agencies involved in this matter have stated that these accounts are, indeed, in violation of the aforementioned regulations by not being reported with 100 % accuracy. 

This situation has not only adversely affected my financial standing but has also had a significant impact on my emotional well-being. I am writing to request a thorough investigation into these inaccuracies and violations of federal law, as well as immediate corrective action to rectify my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

The company is Synchrony Bank. I just had a mix of store cards and open loop cards across XXXX plus accounts, closed today. On the phone with them I wasnt given a reason. I have XXXX late payments, every single payment has been on time across all accounts. All accounts, save one, just received limit increases. If this is an algorithm, then why give an increase and then close the account? I have less than XXXX XXXX dollars combined I just put on a few cards, so its not a utilization or payment history issue. Ultimately, I would love to have the accounts reinstated at their current limits, with no more company interference on these accounts until an actual issue arises. Paying off the accounts should not be penalized by closing the accounts, especially after receiving increases across the board. I am good enough for an increase with high limits but not good enough to keep the accounts??? This has happened to several people, good and poor Credit scores alike, high and low limits alike and is a very predatory tactic, poor algorithm logic and not a single person to actually check the computer on its logic is insanity. The only reason there is a arbitration clause in their contract is to protect them from a class action lawsuit they would most certainly get if otherwise.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was awarded money from XXXX that took over a year because issues with them and account created already after a year state of NJ helped me get XXXX for XXXX back dated with amount of XXXX. The card issue from bank of America never able to work or use called bank security questions when answer with my answer timed out I then as instructed went to bank of America with 2 forms id. Spoke with XXXX told XXXX was available. A new card would come in mail new card received and during activation I was then routed to live person after speaking with them I again was told new card frozen go back bank. After 5 times after the 2nd card my account still remained frozen and told contact sponsor. XXXX told me not them call bank multiple calls with bank of America to XXXX with no status change money never able access. Last check I received XXXX tax year with XXXX left and XX/XX/2021 was last payment. I'm still XXXX over a year outside not able get emergency housing or assistance because they see the amounts never able to access. Also state help XXXX not able to help with housing shelter. I've suffered loss of money pp ersonall items and XXXX heyh grately affected by this. Please help me the efforts from XXXX and now state legislature very emotionless with end of most calls sate I'm sorry and will pass this email on to higher ups. I not only. Read that issue from bank frozen accounts was fined by state and that a review for people effected and proven true money was set for claimed people over year I've slept outside XXXX by people in my community. I think fair my money plus XXXX suffer XXXX XXXX XXXX done
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

My name is XXXX XXXX and the debt collector below ( Carter Young ) has placed an account ( XXXX XXXX / {$440.00} ) on my credit report. I CONDITIONALLY ACCEPTED CARTER YOUNG 'S CLAIM UPON BONA FIDE PROOF ( in good faith and without deceit ) that your claim is lawful and valid. Carter Young refused respond to my letter as directed because " I don't owe a debt to Carter Young ''. This means that Carter Young has no right to report this account on my credit. Carter Young did in fact send a statement with conflicting dates as to when they initially verified the debt. This proves that Carter Young is committing fraud. I will attach all supporting documentation.s Carter Young XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

Account # XXXX Account name. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c
Consumer complaint received 2022-07-19
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, account XXXX XXXX acct # 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 15 U.S.C . 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2015-10-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: First Associates Loan Servicing LLC (CA)

My PEAKS loan ( 1st Associates collects on the loan ) is in default. I have made an agreement to pay {$80.00} a month but havent been able to due to other debts. Now that I have cleared smaller debts I 've attempted to keep good on my word and make my first payment. Instead of talking to someone I attempted to pay online with my debt card. That option was unavilible for me. Next I tried calling in and paying over the phone. After putting in my information I was " directed to a customer service rep '' 3 times but instead of talking to anyone I was sent to the main menu. 

I defaulted on my loans due to unemployment and only recently found a job. Had PEAKS or 1st Associated helpped me when I was unemployed and not just during my grace period I may not of defaulted. This is my 2nd complaint reguarding this company. I still till this day do not know who owns this debt and am frustrated when attempted. I do not want my wages garnishedI just want to bring my account current and stick to the $ XXXX monthly plan we agreed on. Not be fooled with when I attempt to pay or get the run around. I dont need a rep telling me what I owe. I already know! I want to and need to pay what I can and pay it either other phone through the automated system or online. I called twice on XXXX XXXX around XXXX CA time. I dont have a check book and will not be sending checks. Using my debt card is far more convient and prevents the hassle of waiting on an echeck or on pending fund being pulled from my bank account.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I trust that you can help me quickly resolve inaccurate reporting on my credit reports with XXXX and TransUnion. Ive worked with both agencies and the inaccurate reporting still continues. 

XXXX  and TransUnion are reporting the XX/XX/2020 payment of my XXXX XXXX XXXX as 30 days late. The creditor has said that they did not report the XXXX payment late, as it was received on time. 

A check was mailed and posted by my bank XXXX XX/XX/2020. Please have TransUnion and XXXX report accurate information and remove the 30 day XXXX late payment for the account mentioned above. I need this done immediately, as it is affecting my ability to secure a loan.
Consumer complaint received 2016-09-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

Central Financial Control was sent a Cease and Desist letter and given 30 days to provide validation of the debt. They failed to do so which puts them in violation of FDCPA. They also failed to produce copies of any agreement granting them authority, to collect on the alleged debt.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I was told by a rep in XXXX XXXX that my loan debt would be put on hold because i was unemployed. And there wouldnt be a payment due for another year which would have been XXXX XXXX. Then i recieved a bill for XXXX XXXX. I called and they told me it was fixed. A month later i recieved a bill that was for {$80.00} due XXXX XXXX. I tried calling again on several occasions. The 1st time they gave me the run around about some paper work..the website they sent me to didnt let me submit my paperwork for some reason. Ive tried calling again to help me out with this problem, but i havent gotten an answer yet.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I opened an account with XXXX XXXX in XX/XX/XXXX '. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello My name is XXXX XXXX I have two hard inquiries that should of been soft pull from credit report but instead did a hard pull and I would like these inquiries deleted from my credit report. 
XXXX ) XXXX XXXX XXXX XXXX. Inquiry XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry XX/XX/2022.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Google Compare Credit Cards Inc. (FL)

I bought a XXXX XXXX XXXX for online shopping and added to my XXXX. My XXXX was hacked and the money was spent at google play. I checked all my google play accounts and nothing. I then asked for the stolen money to be refunded and google denied my claim and failed to provide me with google play account info it was spent on.
Consumer complaint received 2022-06-09
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. (CA)

I had made multiples complained to during the past 3 years to XXXX, XXXX and Equifax about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. Thank you
Consumer complaint received 2020-11-25
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: Resurgent Capital Services L.P. (CA)

I have been trying to settle this debt with Cach for several months now ( from XX/XX/2020 to present ) and all I get is the run around from them. The debt is in the amount of {$2700.00}. There was a good offer of 50 % but I didn't take because I was short of funds. Then they asked for 70-80 %. WHY????. Do they just scam people and offer one thing then would you tell them you are short funds they ask for more money. If I can't afford it at 50 % what in the XXXX makes them think I can at 70-80 %. I'm offering a deal at 40 % which would be {$1000.00} and is more then fair. This is best and final!!
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AFNI INC. (TN)

AFNI debt collector for XXXX. AFNI have been threatening to send me to jail or sue me for a balance of {$840.00} that I dont owe the company in 2016. I have tried reaching out multiple times, along with disputing this through all three credit bureaus. I have not had any success with getting this debt removed from my credit. This debt does not belong to me, and I have no knowledge of this debt. Please assist with this issue.
Consumer complaint received 2022-07-19
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. (LA)

I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numbeXXXX SOC SEC ADMIN OFFICE O Account XXXX U S DEPT OF ED/XXXX Account XXXX DEPT OF ED/XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had an account with Wayfair, that is now closed. It was fully paid in XX/XX/2020. 
the credit card service was provided by Commenity Bank. They charged me with an abusive late fee of {$29.00} when the payment was not paid late. I have called and spoke with several agents that refused to remove the fee. The due date was on a Sunday, therefore I paid the balance the day that was due, my bank released the funds within the next 24 hours, so this is an abusive way to obliged people to pay more money. In addition, this account is closed so why they are still trying to charge me?. I will like you to investigate because like me there is a lot of people being overcharged by this kind of irresponsible company that looks for a way to get more money. I have never paid a single account late. I even have a credit in the account for {$10.00} that they refused to refund, so they should use that money if they are not willing to refund. 
I do not recommend Commenity Bank to anyone.
Consumer complaint received 2019-03-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I continue to dispute the debt and the payments I am making to the extortionists There was no balloon payment to XXXX XXXX  loan paid off in XXXX. 
The balance was paid off by the XXXX loan paid off in XXXX. 

The XXXX card was a fraudulent lien on a mortgage I assumed in XXXX I did not refinance. 

No one gave me any money. I did not borrow any money I paid {$75000.00} to the escrow account for less This is the {$27000.00} XXXX card. 
1. It is unsecured 2. Discharged in bankruptcy 3. It was prepaid 4. I used {$19000.00} with Interest 5. I paid back {$16000.00}.

6. I did not owe {$3000.00} interest. 

I owe them {$0.00}. 


They owe me {$27000.00} + XXXX they were just paid. 

They did not pay my taxes and insurance I already paid in my house
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

My identity was stolen and someone opened a charge card in my name with Chase. I spoke to them several times letting them know it was fraud. They told me initially they were resolving the issue and closing the account. I kept receiving emails regarding amount due for those charges. I closed my checking account with my bank and they reimbursed the amount charged by Chase. Chase has not performed what they said they would and ignore my fraud complaint.
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted both XXXX  and Transunion about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

XXXX and Transunion kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least XXXX agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?
Consumer complaint received 2021-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX and XXXX  and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.