davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXXXXXX XXXX or the XXXX XXXX app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the XXXX app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called XXXX and XXXXXXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020 Original Loan Amount : {$720.00}
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MO)

I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to Synchrony XXXX XXXX XXXX I spoke to XXXX XXXX XXXX and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.
Consumer complaint received 2020-11-12
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)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-11-17
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 (CA)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I was scammed by a girl from XXXX as part of a romance scam and was defrauded of {$45000.00} through PayPal transactions from XXXX through XXXX XXXX I contacted PayPal on two separate occasions and was told that they were authorized transactions. I followed up saying it was part of a scam and received no response from the second correspondence. No due diligence was done by PayPal as these transactions were very much out of the norm for the transactions I usually transact through PayPal.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

This complaint is against Citibank and their potential unethical practices of authorizing transactions. Basically, my credit was at it's max limit without my knowledge. In the event you hit a limit the card should decline. However, Citibank continued to allow transactions to be approved. The put the card into an over limit status. My minimum payment was supposed to be {$89.00} but they withdrew {$630.00} from my checking account as minimum payment. 

We contacted the CEO of Citibank and the matter was not only not resolved it was flat out disregarded and we were told " too bad ''. To make matters worse Citibank no longer issues paper statements to us so we never knew what the payment would have been beforehand. We are considering this unethical and fraudulent on Citibank 's part and would like it to be resolved.
Consumer complaint received 2020-11-17
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)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

We received a notice from XXXX, XXXX XXXX XXXX, XXXX threatening to sue me for falsified debt with inflated and falsified interests, penalties and late fees on a debt they titled as Synchrony Bank without identifying the exact creditor XXXX whom the falsified and inflated erroneous debt is relating to. I also assigned this to my legal attorney whom they refused to contact after their office made several attempts to reach someone in the XXXX, XXXX and XXXX, XXXX firm. No one returned our lawyers call and this firm is attempting to damage our credit and collect on falsified information. Also, Synchrony Bank has retailiated against me because I raised a dispute with XX/XX/XXXX and XX/XX/XXXX  Credit Bureaus and shortly after I disputed the debt ; they immediately filed a law suit against me in XXXX County Magistrate Court which is also a form of discrimination because I am a XXXX XXXX XXXX   female who is also a U.S. Veteran. This firm also made false accusations stating that I am not a U.S. Veteran by reaching out to SCRA in an attempt to collect excessive monies not owed. Also, I previously notified Synchrony Bank of our status in XX/XX/XXXX regarding our daughter who was hospitalized for 34 Days including XX/XX/XXXX for a XXXX XXXX condition which was a XXXX  experience for my daughter which left my husband and I very emotionally distraught. I have made several attempts to be relived from this falsified claim and have a lawyer assigned to this case and am requesting that all communications that XXXX, XXXX, XXXX XXXX XXXX claim they have and any attempt to serve be communicated with my law firm whom they have ignored. The law firm they need to reach out to regarding this matter is XXXX XXXX XXXX, XXXX - XXXX
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I have a issues with my MT BANK business account, the bank are holdings my money and that im not able to withdrawl any of my money, or do any kind types of transactions on my account, The bank says the purposes for this hold is to verifying my identity and in order to remove this hold or alart I would need to verify my identity, I did uploads all the documentation to help processing the verification and even go to the branch in person couples time already but they are not helping any bit. and they have been holding my money for almost a month! AND THEY TOLD ME THAT THE BANK ARE NOT ALLOW WITHDRAWL ANY FUND FOR ME BECAUSE MY ACCOUNT ARE NEWLY OPENED JUST A MONTH
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MN)

Amazon store credit card through Synchrony credit company advertises in Amazon website that if you apply for their card you can pay off the purchase with up to 12 equal monthly payments given the purchase is more than {$150.00}. 
I have applied for this card only because of this promotional offer and even though I have an excellent credit score ( over 750 ) with a combined credit line of over {$40000.00}, amazon store card only approved me for {$140.00} worth of credit. This limit is low enough to prevent me from using the promotional offer of the equal monthly payment. I find their process of credit line approval deceiving and would like to report this issue.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

To Whom This May Concern that can fix this stressful Situation : I closed my Bank of America account because my card was stolen along with my phone and other items from my house. Bank of America promised they would close the account and I would not get billed anymore. Well in XXXX the following I received a generated bill from them saying I owed money. The balance was XXXX when it was paid off. Back in XXXX it was closed and they would not give me a new card because I could not give them the phone number I had when I opened up the account because I could not remember it because I had many phones and phone numbers. If the account is truly closed why are they sending me generated bills yet. And I can still pay them. I have called and complained to them, but they do not listen and just send me to the next person and guarantee me the account is closed. But obviously it is still in their system and they are charging me the yearly XXXX fees for a account or card that does not exist or I do not use and an account that I was closed clear back in XXXX. 

Sincerely. 
XXXX XXXX Here are some of the statements they are sending me in generated email for an account that was closed XXXX according to their records. XXXX shady business practice to me. I wonder how many XXXX other people they are doing this shady business practice too. All that money will add up I would say. I paid it through my bank account and they took it for an closed account multiple times. 

New statement balance : {$5.00} Account : BankAmericard Visa Platinum Plus ending in - XXXX Date : XX/XX/XXXX You have a new e-Bill from Bank of America Credit Card BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$0.00} Amount Due : {$0.00} Account Balance : {$10.00} ( CR ) So how can I have a credit of XXXX than on a closed card suddenly I have a bill of XXXX cents something is seriously wrong with this bank You have a new e-Bill from Bank of America Credit Card XXXX BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$25.00} Amount Due : {$25.00} Account Balance : {$34.00}
Consumer complaint received 2020-11-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

I refinanced my VA mortgage with Freedom Mortgage. I was advised of closing in early XXXX so we halted on paying mortgage. I was advised we would not close until XXXX due to pandemic delays. I went on and made payment XX/XX/XXXX with a late fee, and received email notification of payment. I called Freedom XX/XX/XXXX as I did not see the payment withdrawn from my account. I was informed the payment was unsuccessful which is no fault of my own as I was never notified of this via phone or email. I ended up making a payment in the same phone call that day. I was told we would close in XXXX so I did not make payment for XXXX right away. As days went by I wanted to avoid another late fee so I made a payment XX/XX/2020 and received notification of payment, this time by mail. I was then informed later that same day that I was closing on my mortgage XX/XX/2020 and would not need to make a payment for XXXX which I had already done so. I received a letter in the mail dated XX/XX/2020, stating my XX/XX/XXXX payment did not go through. I did in fact close on XX/XX/2020. I then received a letter by mail dated XX/XX/2020 stating that Freedom did not get payment for XXXX and a late fee has been assessed to my account. After my closing, my credit score went from Excellent ( near 800 ) to Poor ( 620ish ). I contacted Freedom about this and was advised they made notes in their system and that I should contact the creditors. Upon dispute and resolution of this matter, my credit report shows no data available for XX/XX/2020 and also shows I am late 30 days in XX/XX/2020 which is not accurate information by any means, as I closed on XX/XX/XXXX. This is disappointing as I have refinanced twice now with Freedom. I have never missed a payment for anything in my entire credit history and this has severely impacted my ability to move forward with any sizeable financial purchases.
Consumer complaint received 2020-08-23
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: NAVY FEDERAL CREDIT UNION (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

I took delivery of my new vehicle on XX/XX/XXXX. The vehicle was financed by GMC Financial. The first payment wasn't due until XX/XX/XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The required payment is {$300.00}. I paid {$310.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX. GMC did not apply the overpayments towards principal. I called customer service to find out why. I was told any time I make an overpayment I would have to call them. The average wait time is approximately 20 minutes. I found this process unacceptable. I contacted GM 's executive response team. I spoke with " XXXX ''. He basically told me the same thing as their customer service representatives. He seemed frustrated when I told him this was not acceptable. He gave me his direct # XXXX. When I found out neither overpayment was applied to principal I called his #. There was no answer so I left him a message. He never responded. On XX/XX/XXXX I sent a certified letter to Ms. XXXX XXXX, CEO GM. On XX/XX/XXXX I got an email from XXXX of the Executive Response Unit. She said she just tried calling me. This was not true. I called and spoke to her. She stated GM Financial does not have an executive team that can address my concerns. It should be easy for them to add an option to their payment website to alert them to when I make an excess payment. They don't care because making as much in interest is their " Only '' goal.
Consumer complaint received 2020-06-24
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-08-23
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. (TX)

Since my homes purchase in XXXX I have made each payment on time. I noticed on my credit report, Experian, during covid19 that my report incorrectly indicates I had been late on two payments in XXXX, XXXX and XXXX. these payments were deferred due to damage from flooding in XX/XX/XXXX. In XXXX the full payment due for the three months of XXXX, XXXX m, and XXXX were made in full BEFORE the due date. I disputed the inaccuracy. Since my dispute, I see now that many months show no data, instead of the on time payments that had always been reflected on my report, and the two inaccurately stated late payments remain. In addition other random months are now showing late payment. This is crazy. I have no recourse. Disputing the inaccuracy actually lowered my score and added more inaccurate data to my report. I have never been late on my mortgage and not without personal sacrifice- the main reason was to maintain and boost my excellent credit rating. I need help. XXXX XXXX is lying on my report and choosing to add negative inaccuracies and other months showing ND instead of the on time payments that had always been reflected in my report. Help!
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

On XX/XX/2020, I contacted PennyMac Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) PennyMac reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, PennyMac reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and PennyMac records their calls - so the rep 's statements can be confirmed.
Consumer complaint received 2022-07-20
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} 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