davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (WA)

I have been having problems with this for months now, I keep calling and am being told that I have paid my balance and do not owe anything, yet I keep getting emails stating that I owe.I have been having problem with this account for some time and nothing is being resolved. Is a matter of fact my credit has been ruined because of this. Evertime I call Pay Pal they tell me I owe nothing, which I know is true, my last balance was for {$80.00} ( +- ). 

Following is an account of the times I have called, that I took notes of : XX/XX/2021 Called Pay Pal and spoke with XXXX, put me through wih Synchrony Bank, was told to give it a couple of days to clear, sounded sketchy but I agreed. 

XX/XX/2021 Called XXXX XXXX XXXX I spoke with XXXX who transfered me. I was told that I did not owe anything, that my balance was XXXX. 

XX/XX/2021, Finally called XXXX  and spoke with XXXX and said I could make a dispute at XXXX XXXX, ext. XXXX so they could help me. I spoke with someone named XXXX, I believe, he wanted my complete S.S. number, I told him that I was uncomforable giving my whole number, I told him I had called before and was asked for my last four numbers. I assume he did not like my answer beause he would not talk to me anymore. I could hear he was still on the line but he would not answer me, so I had no other alternative but to hang up. 

XX/XX/2021, Received letter from Synchony Bank called XXXX XXXX XXXX gave my phone number twice and my S.S. twice and was told that they could not find any account with that information. 

I sincerely pray that someone can help me with this mess. I am a retired woman of 70 years owe, to me, my credit is all I have going for me and for it to be taken from me would be desvating since my credit is what gets me through. 
I would appreciate it very if there is help out there. 

Sincerely,
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Account # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

on or about being of XX/XX/year>, my debit card was hacked for XXXX Wells Fargo, from a store in XXXX XXXX, for skin care, I NEVER USE my debit card to buy, only deposit -at first Wells Fargo put the {$290.00} money back into my acc, only to get a letter from Wells Fargo Fraud dept saying " They found no evidence of fraud that it was an online purchase approve, '' MEANING I did it, WITH OUT a paper trail as to how they found me Quilty of said fraud.I am XXXX XXXX XXXX, XXXX XXXX XXXX XXXX live ONLY ON SS. {$290.00} is a lot for me, however more so, I believe it was an inside job Wells Fargo, either way IT WAS NOT ME who purchased {$290.00} in XXXX XXXX, Hacking is in itself describes fraud-I am being used as a scapegoat Thank You
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage has been falsely reporting to all 3 credit agencies that this account was paid 30 and 60 days late in XX/XX/XXXX and XX/XX/XXXX. This account was never paid late. This account is paid as agreed. This account was referred for investigation regarding the late payments. It was discovered that the payments were missing the correct account number when the rep took the payments and therefore never posted to the account, causing the issue of payments being reported late. Shortly thereafter, the pandemic occurred and the account went into forbearance. This has been disputed with Carrington Mortgage over the last year and to date they have not updated the credit files to remove all negative comments on the credit reports to reflect pays as agreed and no late payments. 

In speaking to another Carrington rep today XX/XX/XXXX by the name XXXX she made comments regarding my ethnicity thinking I was on hold, saying I that these XXXX people need to just pay those accounts this is a clear indication that my credit reports are not being updated due to race or some other discriminatory practice. When she realized that I was not on hold when I asked her what she meant by the comment she disconnected the call. 

Ive reported this to Carrington Mortgage again today in writing of the XXXX comments made via the research department employee as well as filed a complaint with the Federal Trade Commission about their practices. This is my final attempt to get this corrected before I seek legal action to have this looked into. It is a breech of my rights to have incorrect data reported to the credit bureaus.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Steel River Systems, LLC (UT)

I received a very alarming communication from third party debt collecting claiming that I owe an alleged debt and that they can legally accept payment for it. But I have never spoken to them ever and I did not give them consent to communicate with me. They have invaded my right to privacy and obtained my private information through illegal and criminal means.
Consumer complaint received 2022-08-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (CT)

I am an American Express Serve card holder, and Im currently having problems with direct deposit. Several other customers are having the same issue and the company os offering us absolutely no details and have had the same response for days. Ive been hung up on by customer service reps, told multiple different etas as to when I will get my funds, and jus been treated with the impression that the company does not care. All the have offered any of the customers is template responses that change every few hours. We all have bills to pay and this company is holding all of our money with no explanation.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

Received a letter written on XX/XX/XXXX stating that I owed a debt to ( PCI ) ProCollect Incorporated ( XXXX XXXX XXXX XXXX  ) in the amount of {$120.00}. Answered an incoming call from PCI on XX/XX/XXXX. Advised phone representative after I validated identity on a recorded line that I did not want to receive any more phone calls and all correspondence going forward I wanted in writing. On today, XX/XX/XXXX, I went on to PCIs website to dispute the charge electronically. Received another call today on XX/XX/XXXX at XXXX XXXX from yet another PCI associate attempting to collect the supposed debt of {$120.00}. I asked the associate if she saw the dispute that I submitted online. She responded by saying that what I submitted previously was unacceptable to file a dispute. That was an outright LIE because I NEVER submitted ANYTHING to PCI previously. I also mentioned to her that I had previously asked that all correspondence be in writing. She ignored me at just kept on talking trying to collect. I then asked to speak to a supervisor. The collector then responded by saying, this is not a supervisor matter and all I am concerned about is collecting payment Clearly CLEARLY my legal rights were violate and I would like for the CFPB to pursue legal action against PCI.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

XX/XX/XXXX my paychecks was supposed to be direct deposited into the card and it hasn't showed up. When I called Monday they basically told me that the issue was just that it took two days to get to the card. Then next time I called I was told it would be on the card by end of day Monday then told by Tuesday morning then Tuesday end of day and know they aren't answering the phones. My deposit would have been XXXX $ but I haven't received anything yet and this is now Tuesday evening.i have used this card for over a year and when I expressed concerns about fees being charged because of automatic payments not going through I was informed that it wasn't their problem.
Consumer complaint received 2018-10-16
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. (CA)

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, Experian and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, Experian and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I refinanced my loan with XXXXXXXX XXXX  in XX/XX/2018 for a total of just shy of {$22000.00}. This was to cover my XXXX loan which was around {$14000.00} and my XXXX XXXX loan which was around {$8000.00}. As confirmed by the XXXX XXXX XXXX rep, all documents submitted were for my XXXX XXXX loan ( now paid in full with no issue ) and XXXX. The new refinanced loan was again to be serviced by XXXX. In XX/XX/2018, when the payments for the refinance were processed, XXXX XXXX was correctly paid in full but my payment for XXXX was applied to a NelNet ( a XXXX XXXX Federal loan which was sold to NelNet for under {$6000.00} ) account. At that point, I reached out to all three-XXXX, XXXX, and NelNet. They did not account for the remaining portion of the remaining loan which had not been allocated anywhere I could see but were charging me for both loans. However, in this case, they were able to correct the error and my payments for the new XXXX and the existing NelNet loan had their payments auto-debiting as I had set up. 

On XX/XX/XXXX, I found that the payment to my original XXXX loan had been reversed and a partial payment was applied to XXXX and the remaining funds were applied to the NelNet loan. Again, the NelNet loan was never referenced in the documents I submitted for the refinance. Since the XXXX, I have called them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The issue has still not been resolved, they have given me no timeline to fix it despite funds being with their parent company, and XXXXXXXX XXXX  XXXX is now calling and saying my account is past due. I have received only a single callback and the person called to say there was no update. At this point, they are reporting my account over 30 days past due and we are quicky approaching 60 days past due. They are also falsely assessing late fees ; as they have confirmed they can see the payment in full but do not have an explanation for why the payment was then reversed. They refuse to freeze the account or to stop reporting it past due -- hence the calls from XXXXXXXX XXXX XXXX and, despite knowing this is a duplicate issue, they have yet to fix the issue. 

Attached are all statements for both loans that I received since XX/XX/2018 and statements for NelNet. There is additional information showing my account information with XXXX and all received statements from NelNet.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1300.00}
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from TranUnion, XXXX, or XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-10-16
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. (NC)

In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.
Consumer complaint received 2018-10-16
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)

In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

My XX/XX/2018 bill indicated a balance of {$510.00}, due XX/XX/18, which I paid in full on XX/XX/18. Today, I received a bill for {$1.00}, due XX/XX/18. I paid it immediately, and then called XXXX to find out why I was charged more even though I'd paid the balance well before the due date, and there was no information on that bill which indicated anything about " residual interest ''. According to their " fine print '', there is no indication of charging a " residual '' interest rate. This had never happened before with this credit card company. I was told by XXXX that it was a " residual '' interest. Her explanation of that was insufficient, so I asked to speak with her supervisor. XXXX told me basically the same thing, but it still didn't seem like transparency was being used in their billing processes. I'm filing this complaint so other people who might have once trusted Citi, have a reason to do so no longer.
Consumer complaint received 2021-10-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I checked my account in regards to a purchase I made to get a refund. It was then I realized my checking account, my savings and my two credit cards were low in funds and they werent mine. I immediately called Bank of America and notified them that these transfers were fraudulent and I didnt give any one access to my account, the representative told me she would put the hold on the account but I needed to go to the nearest bank as soon as possible to open a new account. I did just that on XX/XX/2021. 
I have been calling since then In regards to my account and my funds being returned. This situation has made me mentally and emotionally sick right now I suffer from XXXX. I am always on edge and always checking my accounts I dont feel safe doing anything on line everything seems suspicious to me. 
I went as far as changing the phone and getting a brand new one just to be safe. 
Bank of America had made this scary for me and I am unable to pay my bills in total I have lost {$3000.00} And they refuse to help saying that it came from my account in regards to XXXX transfers. 
I just need to get my cash back close this account with Bank of America because I thought my savings were safe with this financial institution but it isnt! 
Bank of America is a high risk bank and they refuse to acknowledge that this is fraudulent! Ive worked to hard to lose this especially due to the fact it wasnt my fault.