davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I have been having an issue with synchrony bank/care credit. I am uploading the documents. I received a letter from them stating there was an error on my statement for interest charges and Late fees and they will correct it. There is supposed to be no interest on this card. The next complaint is they lowered the credit line again from {$4800.00} to {$1500.00} again they did this once before I complained and they gave me back the original credit line now they took it back again and lowered it which is not right. The other complaint is they only issued {$13.00} credit but yet charged me {$2.00} in interest again. My balance is wrong its not XXXX if they take off the interest and late fees it should be {$1000.00} this account needs to be paid in full before XX/XX/XXXX of this year 2020 before it will start accruing interest. This card was 2 years no interest if paid in full by XX/XX/2020 but they are not crediting my account correctly
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

During the pandemic in XXXX I was layoff from work and had trouble paying my mortgage so I got on the forbearance plan in XXXX of XXXX, In XXXX I started a new career and started the process to end my forbearance plan. I completed a mitigation application and followed many step to end it, they said they would give me a loan modification. That would have really helped me get back on track. Instead I had to call them almost on a weekly basis to try and see what was the status. In mid XX/XX/XXXX I received a notice that I was approved for a deferment, which they had not discussed with me. So now my payment was due and was late. Frustrated, but I do not want to lose my home, so I start to make the payments again. I did not understand why they said they would give me a loan modification but instead gave me a deferment which left me with a 4.25 % interest rate loan, which I now can not refinance because I would need to first pay my deferred balance, in addition they say that escrow/taxes behind so my payment is increased by another {$500.00} per month. Now I have paid my XXXX, XXXX and XXXX payments, but it is really too high of a payment and I should be able to refinance and lower my rates but I feel I can not. My new career is not paying much yet and I really need some help. They also reported my deferment to the credit bureaus and my credit score went from exceptional ( XXXX ) to good ( XXXX ). Can you help me to find a way to lower my mortgage payments please?
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious account XXXX XXXX XXXX XXXX Balance {$17000.00}. I think CREDIT BUREAUS have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX and XXXX, and I'm including it again.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Disputed inaccurate info on credit report XX/XX/2022. Nothing was changed. I try to correct my address and other information, but nothing fets corrected. I feel that someone else has been sabatoging my credit report and score by entering wrong information.
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (IL)

I was contacted by an agency called True Accord, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS about a debt. I sent them a certified letter on XX/XX/2020 telling them to cease and desist communication with me pursuant to the Fair Debt Act. It was send via USPS certified mail. Receipt number XXXX. 
Since their receipt date of my letter on XX/XX/XXXX they continue to contact me via email threatening to turn this over to an attorney.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ragan & Ragan, PC (GA)

The attorney of record for the plaintiff XXXX XXXX XXXX XXXX of Ragan & Ragan falsely mislead and misrepresented himself and his client XXXX XXXX XXXX as having a lawful contract/agreement with me pursuant to 15 USC 1692e . In addition Attorney XXXX XXXX XXXX, XXXX of Ragan & Ragan furnished to the clerk court deceptive forms pursuant to 15 USC 1692j and place a false claim in order to have the court grant a default judgment against me. 

Attorney XXXX XXXX XXXX, XXXX either knew 1st hand the contract he presented to the court clearly showed the contract had an Arbitration clause and was covered under The Federal Arbitration Act or he being a licensed bar card attorney should had known he was violating the law by misleading the court into believing it had jurisdiction when it lawfully did not. In dishonor and with unclean hands attorney XXXX XXXX XXXX XXXX or his law firm purposely withheld sharing the case had an Arbitration clause, he did not share that information with the clerk court and placed a claim he knew the court did not have jurisdiction over.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

In 2019, I applied for a Macy 's credit card as I was looking to purchase an engagement ring. As the credit granted was for XXXX dollars, I didnt use it as it wasnt enough for such a purpose. Moreover, I never receive the physical credit card neither notified the account number of such credit thus I never used it. Several months after, I checked my credit score and realized that my Macy 's credit card was closed because I had missed several payments. Such action has deeply affected my credit score therefore I have not been able to access other financial instruments. 

The first time I called to solve this issue I was told that the purchase was for some shoe brand that I have never heard of before and that it was going to be investigated and that I didnt need to do anything further. As a company with a good reputation I trusted the process, however, months later when once again I checked my credit score, I found that the issue was still unsolved. Once again I called and now, I was told that to solve the issue I needed to have the physical account statements of such credit card to open the investigation, but as I told before I have never received anything regarding such credit card. The customer service representative checked my address and realized that the address didnt have the unit number thus she helped me to correct it and ensured me that I was going to receive them from 7-10 business days, however after 2 months I didnt receive such statements. Tired of not being able to improve my credit score because of this issue, I called the customer service number and they told me that once again, the representative didnt correct my address and, that was the reason I still didnt receive the statements. However, she told me that in the meantime I could send this letter to this department explaining my particular situation. 

I appreciate you can help me to solve this issue, as I have stated before I have never used this credit card and it frightens me how easily malicious people can use my personal data and affect my credit score directly. Moreover, it astonishes me how can it be possible that another person had access to such a credit card if even I have never seen physically such a credit card. Also, it chokes me how tedious has been the process to solve this issue and concerns me how customer service representatives can tell one thing and then on another phone call say another. It has been more than a year since the first time I called to solve the situation and still I dont see clearly when I am going to be able to clean and improve my credit score.
Consumer complaint received 2020-07-31
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: CBC Companies, Inc. (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America allowed a New Jersey state order to garnish my entire back account. I live in South Carolina they took XXXX and left me and my wife with nothing. 

South Carolina banks do not allow out of state garnishments they illegally garnished my bank account. Employees state they are just follow legal procedures call New Jersey court if you have more questions.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21  times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-06-09
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. (MI)

I checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

Chase Saphire credit card has points attached. Used points for travel and canceled travel within cancellation terms. Chase has not refunded my XXXX points worth {$2000.00}. They keep escalating the issue with no resolution.
Consumer complaint received 2022-04-25
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. (VA)

am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

Mr Cooper continues to not answer my questions and have multiple supervisors not call back. But they never forget to send threatening letters, even 24 hours after I have an hour+ long conversation with one of the supervisors. I got a hand delivered letter to my house. I immediately called the representative named XXXX at XXXX. I never received a call back. I called again with no response. 

Every time I talk to someone, they tell me different information. Previous CFPB complaints contain factual errors and mis-statements about the issues. I can't get one person to answer my call or return my call.
Consumer complaint received 2022-07-30
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX I received a letter from XXXX XXXX with XXXX XXXX stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Since XX/XX/XXXX through XX/XX/XXXX ( Current day ) I have been trying to get my Name and Address information corrected with the credit bureau, Experian. I have sent letters, submitted verification documentation, submitted online disputes and made numerous phone calls from XX/XX/XXXX to XX/XX/XXXX in an effort to get this information corrected. They will either change the information or make it completely erroneous. This has seriously impacted my ability to obtain good credit and credit ratings. At this point, I am requesting to have all of the incorrect names and addresses removed from my credit bureau report. See one of the letters sent ( attached ).
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (NC)

I sent a letter to Equifax and XXXX XXXX regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and capital XXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: USI Solutions Inc. (IL)

In XX/XX/XXXX I received a letter from XXXX XXXX with Usi Solutions stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I applied for a personal loan and got denied but when they pulled my credit report 3 hard inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  were placed on my credit report. I also applied for an auto loan which was denied as well and had another hard inquiry on my credit report from XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

On my XXXX it shows that Navient originated a loan for XXXX XXXX XXXX in XX/XX/XXXX. It still just shows as originated- since XX/XX/XXXX. Was it supposed to be cancelled? Has it been repaid in the subsequent consolidation and they never updated the status? Is this the one their lender XXXX XXXX charged off in error since it was paid in consolidation?
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

I have had a new mortgage with PNC bank for 18 months. I do not have a payment book. I was told to make my payment by telephone. In XX/XX/2018, the bank added a {$7.00} fee for paying by telephone. They started sending a payment letter monthly. In XX/XX/2018, I was told they cancelled the extra fee because their customers where unhappy. In XXXX, they started the {$7.00} fee again. I was traveling. The payment letter arrives about one week before payment is due. I was not here. When I returned, there was not time to mail a payment before the due date. THIS practice is unfair to the customers but would make PLENTY of money for the bank. I travel frequently. I expect a financial institution to furnish me with a complete payment book and to allow me to pay by telephone if needed. Another abuse to consumers by the banking industry. Thank you.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXXXX/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.