davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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 (AZ)

XX/XX/XXXX I purchased a loveseat and couch from XXXX XXXX. I applied for their XXXX XXXX/Synchrony XXXX XXXX card and was approved. Purchased the couch and loveseat for {$1500.00} with an equal payment no interest deal. On my XXXX statement XXXX for this card, I noticed a fraudulent charge dated XX/XX/XXXX for {$1700.00}! I did not make this purchase and called the fraud line XX/XX/XXXX reporting this charge as fraudulent. This was investigated and they sent me a letter XX/XX/XXXX saying that I was not liable for the fraudulent charges and they would let the 3 credit bureaus know this. The charge was removed and I payed for my furniture in full. My balance was XXXX. Then I received a bill from XXXX XXXX/Synchrony XXXX XXXX XX/XX/XXXX with a charge of {$1700.00} dated XX/XX/XXXX! AGAIN! So I called the fraud line and reported it again as fraud on XXXX investigated and once again found me not liable for the fraudulent charge. I received the same letter again saying that and that they would let the 3 credit bureaus know. XX/XX/XXXX I called them and CANCELLED the card so that this would not happen again.I had not heard from XXXX XXXX until today. I got a bill for the XXXX XXXX/Synchrony Home Account. There is a charge for {$1700.00} dated XX/XX/XXXX " Balance Adjustment ''. I called to report this fraudulent charge once more. I waited on their terrible customer service fraud line and was passed from one female agent to another. The second one said the boss was already at home, but she would make a note of my complaint about this. This is OUTRAGEOUS! How many times will they investigate this fraudulent charge and find me innocent only to re-charge me again. I am really disgusted with this. How do you charge a CLOSED account. I have the confirmation number XXXX for XX/XX/XXXX, when I phoned them at XXXX XXXX  and CANCELLED. I am so tired of dealing with this. You sit on hold forever and it NEVER gets resolved. Please help me with this.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

I HAVE A DISCOVER XXXX CARD AND I'VE MADE PAYMENTS TO VIA PHONE PAYMENT FOR MANY YEARS WITHOUT A PROBLEM ON XXXX XXXX I SUBMITTED MY PAYMENT OF {$340.00} AS USUAL ( VIA PHONE ) WITH MY XXXX XXXX ACCOUNT THAT I HAD ON FILE WITH DISCOVER FOR YEARS, BUT THE PAYMENT WAS NOT COMPLETED.I WAS UNAWARE OF THE ERROR.I NOTICED THE 30 DAY LATE PAYMENT ON MY CREDIT REPORT IN XXXX OF XXXXI NEVER RECEIVED A PHONE CALL OR EMAIL STATING MY PAYMENT WAS NOT COMPLETED. I REACHED OUT TO DISCOVER A NUMBER OF TIMES TRYING TO REMOVE THE NEGATIVE REMARK ON MY CREDIT ON MY CREDIT REPORT WITHOUT SUCCESS.I WAS INFORMED THROUGH ONE OF MY NUMEROUS CALLS TO DISCOVER THE PHONE PAYMENT PROCESSING SYSTEM WAS UPDATED AT THAT TIME.AS RESULT THIS MAY HAVE BEEN THE REASON MY PAYMENT WAS NOT COMPLETED AS USUAL.AFTER SPEAKING WITH SEVERAL DISCOVER REPS THEY INFORMED ME THEY COULD NOT REVERSE THE NEGATIVE REMARK ON MY CREDIT REPORT.I WAS NEVER LATE OR MISSED PAYMENT.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have sent 3 separate verification letters to asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, My name is XXXX XXXX XXXX. XXXX. 
On XX/XX/XXXX, after checking my credit reports mailed an investigation letter to each credit, XXXX, XXXX, and Experian regarding account XXXX XXXX XXXX Account Number XXXX. And to XXXX again for account XXXX Account Number XXXX asking them to investigate and verify these 2 accounts. 

On XX/XX/XXXX, I received the following letter from Experian with XXXX XXXX XXXX Account has been verified and still reporting on my credit report with no justification/proof this is my account. 
On XX/XX/XXXX, I received notification from XXXX that since they received my letter on XX/XX/XXXX, they needed until XX/XX/XXXX to complete their investigation. 
To date, I have not received any correspondence from XXXX, they couldn't even be bothered to respond. 

I just pulled another copy of my credit reports and it is still showing these inaccuracies. 

15 U.S.C. q681s-2 ( A ) ( * ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2023, USAA suddenly and without notice halted my ability to make mobile deposits to my checking and savings accounts. I've had accounts with USAA for more than 10 years and have consistently made deposits with little to no issues. When I tried to make this most recent deposit on XX/XX/XXXX, I received an automated message that said, " due to banking history, I could not make mobile deposits. '' When I called USAA on XX/XX/XXXX, I was told that because my XXXX son 's account ( which is linked to mine ; I opened it for him when he was a minor ) was subjected to XXXX fraudulent deposits in the amounts of {$25000.00} and {$10000.00}, that my account -- which is in no way accessible by anybody but me -- was therefore being penalized and barred from mobile deposits. Since USAA has no branches or ATMs that takes deposits, this makes my USAA account virtually useless to me. I spoke with XXXX USAA officials in member services and member resolutions over the course of XXXX day to try and get this situation rectified by either having my son 's account severed from mine ( so that I could resume normal banking activities on my accounts ) or by having the unfair penalty removed from my account ( so that I could resume mobile deposits ), but was told USAA could not help me. I am being wrongly penalized for fraud committed on my son 's account by a criminal because I believe USAA does not want to take accountability for the fact they were negligent in allowing the fraud to go forth in the first place. ( My son had called USAA to report the fraudulent deposits and the criminal activities on his account numerous times over the span of three-five days -- but USAA never stopped the fraud ; never stopped the fraudulent deposits ; never stopped the subsequent dozens of fraudulent cash withdrawals that occurred out-of-state. ) I should not be penalized for the actions of criminals on an account that is owned by my XXXX son, especially when USAA was negligent in halting the criminal activity in the first place. USAA also refuses to give full information about the status of the investigation into my son 's fraud complaint, so that when I call to try and resolve my current mobile deposit issue, or to sever my son 's account from mine, I'm told that USAA can not do that because my son 's account is undergoing a fraud investigation -- but then USAA will not provide clear information about the fraud investigation to either myself or my son. In other words, USAA is not only penalizing my accounts for criminal activity that affected my son 's account -- but USAA is also refusing to give information about the investigation of this criminal activity that could be used to clear up the issues with my accounts ( as well as my son 's account ).
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (OK)

I contacted XXXX on XX/XX/2020 as old judgements, more than 5 years old and  also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. 

Contacted World Acceptance on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my Transunion report however not XXXX  or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXXXXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

I booked a hotel room through XXXX using my Chase debit card online. I received my confirmation number, my receipt from XXXX. I went to the hotel. The front desk person took my card, put an authorization hold on it for 100 dollars as per the hotel 's procedure, then came up short. 

My room, it appeared, had workers in it, fixing something, and there were no other rooms. She apologized profusely and the general manager followed with a letter of apology in an email. The hotel refunded the hundred bucks for the deposit and offered me a future free night 's stay.. 

I called XXXX. XXXX, in turn, checked with the hotel to confirm. Supposedly, my .oney would be returned. But it never was. 

So, I filed a dispute with Chase, my bank. I received a provision a.d l credit, which was ripped back away from me at a very inopportune time. 

Chase said that XXXX said that they had small print, guidelines, caveats. Chase told me to submit evidence and reopen the sispute. 

So, I fwded to Chase, the email from the hotel apologizing for the lack of room. 

Didn't hear back. When I called chase to inquire, I was told that you CANT reopen a dispute. So I disputed it online, received a provisional credit, and, again, had it removed, or debited, from my account when I didn't see it coming, at a very bad time. 

I refuse to pay for a hotel I didn't get to be in. Now, XXXX has no info about the affair and they say to contact my bank to dispute and my bank says for me to contact XXXX.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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
Consumer complaint received 2023-03-28
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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
Consumer complaint received 2023-03-28
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. (NC)

I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.
Consumer complaint received 2023-03-28
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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