davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I am owed a refund of {$250.00} and I have not received the check. They say they have sent 3 times and it never arrives. I asked for them to send a trackable method and they refused. I asked for it to be sent electronically to my account and they refused. 

Need this resolved, been going since XX/XX/202XXXX XXXX
Consumer complaint received 2022-07-15
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: Grain Technology, Inc. (PA)

On XX/XX/XXXX, I wrote to the following companies for a third time in regards to two accounts that are not mine and are fraudulent and reporting on my credit report. This is now my third attempt to resolve this matter, as I have also filed a report with the federal trade commission also in regards to this matter. 

FRAUDULENT ACCOUNTS : Original creditor : GRAIN TECHNO Account # : XXXX Date of Acct : XX/XX/XXXX OTHER FRAUDULENT ACCOUNT Balance : {$480.00} Original creditor : XXXX XXXX Account # : XXXX Date of Acct : XX/XX/XXXX Balance : {$480.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, I remitted notice to the consumer reporting agencies XXXX EXPERIAN & XXXX and the individual company 's furnishing our account details as follows : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Remove the transactions and experiences between me and your institution from all consumer reports in compliance with 15 USC 1681a promptly. The Privacy Act of 1974 prohibits the current malpractice conducted by consumer reporting agencies regarding my personal matters.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix it.
Consumer complaint received 2022-11-22
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: LEXISNEXIS (IL)

I continue to go back and forth with the credit reporting agencies regarding these accounts that don't belong to me. Was told to submit my information to the CFPB for assistance. Thank you
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC (MD)

XXXX XXXX Executive Vice President Apex Mortgage LLC NMLS XXXX I was the listing agent on a transaction where XXXX was acting as a loan officer. When confronted that he wasn't a licensed LO he said he's an attorney and doesn't have to be. Also, he is not a licensed atty in Maryland. Furthermore, he acted extremely unethically. When I asked why he didn't need an extension to the contract of sale he told me he just uses a blank one. There were 2 months worth of delays. He told me he was reimbursing the buyers agent some of his commission that the buyers agent agreed to give up. Additionally, the buyer in the transaction told me he wired XXXX $ to the mortgage company. When I told the buyer that the Sellers cancelled the contract 2 weeks ago the buyer didn't know and the XXXX, XXXX, told the buyer he would return his money and offered him more money to not report him because he had XXXX. This guy is a predator. The story goes on and on.
Consumer complaint received 2022-07-15
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. (TN)

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to demand for the immediate removal of fraudulent accounts from my credit report. Despite multiple escalations, the persistence of these fraudulent entries is causing significant distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I requested the Experian change the reporting of a mortgage company listed in my bankruptcy. The request was to exclude the mention of the mortgage company because it was not included in the discharge of my bankruptcy. I protected my home from being included. When I requested the change, Experian dropped my credit score XXXX points. I took that as being punished for requesting a change. They offered NO explanation.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MD)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-02-02
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (CA)

FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET AHOLD OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE POST OFFICE THEREFORE CAUSING MY ACCOUNT WITH CENLAR TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.
Consumer complaint received 2022-07-15
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.0
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I applied for the SAVE plan on XX/XX/XXXX and never heard anything. 
On XX/XX/XXXX I got a message about a processing delay saying no action was needed by me ( unless a payment was due ). 
On XX/XX/XXXX I got an email saying my account was put into administrative forbearance. 
Then in XXXX, XXXX, and XXXX payments were auto-withdrawn from my account for my IDR amount. 
There has been no movement on my SAVE application and they took my account out of administrative forbearance. I was never notified of the status.

I called today and was told my application was stalled because they were unsure if my loans qualified for SAVE ( they do ). They escalated the application and put my account back in administrative forbearance. However said that this forbearance will not count towards my forgiveness. It is my understanding that it should count as this is an error on their part.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

My servicer Mohela created duplicate erroneous loans in my name. I had a loan consolation that was successful on XX/XX/XXXX with a total of about $ XXXX in a sub and unsub loans ( XXXX and XXXX ). Then, around XX/XX/XXXX, I found out about the duplicate loans created at XXXX by Mohela ( loans XXXX, XXXX and XXXX ). I filed a complaint on XX/XX/XXXX with XXXX Ombudsman and contacted both XXXX and Mohela notifying them of the issue. Since then the duplicate loans were transferred back from XXXX to Mohela, but they haven't resolved the duplication that they created and keep trying to consolidate the erroneous duplicates instead of cancelling them out. Further- the complaint I filed with Ombudsman was closed without contact or resolution. This has been going on for months and has erroneously added approximately $ XXXX + interest to my apparent overall debt load. It is astonishing to me how poor the internal controls are that no one at XXXX, XXXX, nor Mohela have caugbt these egregious errors.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (OH)

I received a letter from XXXX XXXX attorney telling me a judgement could be reactivated since it went dormant. I offered to pay half the debt to XXXX XXXX on XX/XX/year>. I sent proof I received social security. They told me to put file number XXXX and to send it to XXXX. The attorney said they would contact the client and get back to me. I followed up a week later with no response. I called XXXX XXXX myself and they said they don't own the debt to contact XXXX XXXX. I'm being threatened legal actions and I'm offering a settlement for my debt that I can afford and no one will cooperate or communicate.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

On XX/XX/year>, I provided written 60 day notice to my apartment complex of an early termination of my lease on XX/XX/year>. On XX/XX/year>, my apartment complex acknowledge receipt of this notice in writing. I moved out of my apartment and completed all relevant paperwork on XX/XX/year>, and had paid all amounts owed through that date. 

On XX/XX/year>, my apartment complex contacted me about alleged late rent for XX/XX/year>, after my move out. I replied the same day to confirm the move out. No response was received from my apartment complex, and through the rest of these emails my former apartment complex has not responded to any further emails, phone calls, or communications to present. 

I have since been referred to collections over this alleged rent owed. Columbia Debt Recovery LLC, XXXX Genesis is handling the collections. Upon receipt of the first email correspondence, I responded within 30 days to ask for verification of the date and explain the above-referenced facts regarding why the debt was not owed. In response, incorrect documentation was produced and is detailed in the attached documents ( i.e. they attached a lease for XXXX, as opposed to the applicable lease for XXXX ) along with failing to respond to the specific issue of the move out and debt not being owed. 

The debt is now affecting my credit and despite ample time and multiple communications to all parties involved, no response has been received.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX there was an account opened in my name with navy federal fraudulently. In XXXX there was a balance put on my credit profile and has been there every since. I've had this item removed before, but navy federal placed back on my credit. 

I've filed a police report in XXXX and XXXX, a long with a federal trade commission identity theft report created.
Consumer complaint received 2022-11-22
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. (AR)

*** ( Please be advised this complaint is for FAILING TO NOTIFY ME OF REINSERTION OF A PREVIOUS BLOCKED ACCOUNT*** Please do not over look this issue as you did in my previous complaint Experian has failed to notify within 5 business days of reinserting previous deleted or blocked account information for the account listed XXXX # XXXX ( VIOLATING THE FCRA PART ( A ) ( 5 ) ( B ) ( ii
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a XXXX XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I made all my payments had have been paying them each month since I got the car. The moment where m payments were paused was during the covid time in XXXX. I spoke to representatives over the phone about having issues with payments in the months of XXXX and XXXX of XXXX but I guess they did not update the notes. I paid them but was having issues with the method of paying them not working properly.
Consumer complaint received 2022-07-15
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. (CT)

XXXX XXXX XXXX Credit Card is still reporting to Transunion this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. XXXX XXXX knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the XXXX XXXX XXXX Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from Transunion.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

Re- XXXX this is the XXXX consecutive time I have asked you For information pertaining to this so called debt that you say I owe! You are unable and have not provided me XXXX piece of evidence that I have asked you for that ties me to this debt right now you are a violation of the FDCPA I must warn you in writing remove this unverified account from all credit reporting agencies and cease and desist any further reporting on this account and DO IT TODAY or you would be sued for {$1000.00} if you dont believe me TRY ME Review the file if you dont believe me again try me
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (MA)

I own a bed and breakfast on XXXX XXXX. We take credit card payments for our rooms. The credit card processor generally deposits money into my checking account daily. However, for the past month, they have been withholding my deposits citing security issues, and there has been no resolution. 

When I initially called them, they told me it was because I was providing too many refunds ( I was refunding room deposits after checkouts ) and that I needed to send in my bank statements. I completed that. Then, they told me the issue was that the XXXX  had a dramatic increase in income. I explained to them that it's a XXXX XXXX  Then, they told me that my money was being held because guests were booking rooms one year in advance. 

As stated, it has been over a month that they have been withholding my money, and there has been no resolution. I will not be able to make payroll, mortgage and taxes in two weeks as my savings is running out. 

Additionally, there is noway for me to escalate this situation. Everytime I call customer service, they refer me back to the same agent in the security department. They will not let me work with a supervisor or someone in another department who can expedite the process. 

I believe this is an unfair and unreasonable practice that is causing harm to my business. I do not know where else to go for assistance. I have contacted the AG, OCC, and State and US congress people ; all say it's not within their purview.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NRA Group, LLC (TX)

Contacted the collection agency requesting all information they have showing proof to me as the owner of the delinquent account. Was told they have to request it from the original creditor the account was initially opened. Been several weeks no response. Disputed it with the credit agencies and within a 2 day investigation I'm told all the information was found accurate and correct with no errors. My email was part of 3 separate data breaches with one breach being the credit agency at the same year I started disputing this account.
Consumer complaint received 2022-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One Quicksilver Credit Card is still reporting to XXXX this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. Capital One knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the Quicksilver Capital One Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from XXXX.