davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (IL)

I have tried to purchase an online Tv program service via PayPal Credit account on XX/XX/2020 and the amount was {$390.00}. When I processed the payment, the online Tv program service provider`s website gave me an error message and they stated the payment was declined. Then I tried to do the payment with another credit card ( XXXX XXXX ). The process was completed and payment was received from the service provider. However, PayPal credit issued a charge as well. So I was charged twice for the same service. 

When I contacted the service provider, They stated that they were able to locate the payment with XXXX. However, they were not able to locate the PayPal Credit charge. 

I also received a written statement from the TV Service provider that they do not see any payment received from the PayPal Credit.

I have disputed the transaction on the PayPal Credit account 4-5 times and faxed supporting documents ( Statement received from service provider and Credit card statement of XXXX XXXX  to show the same charge for the same date ) each time. Also I talked with their customer service at least 20 times and spent almost 20 hours over the phone to explain the case.

Unfortunately, all disputes were rejected and when I talked with the customer service ( Supervisors and Account managers ) to understand what was wrong with it, I had to explain the case from the beginning and they understood my case. But they told me that they can not do anything other than submit a new dispute and they blamed the PayPal Credit Dispute team and they advised me to submit a new dispute. 

Also, they stated that My supporting documents were not received. I have confirmation that the faxes that I sent were received. I also submitted supporting documents via their Secure message. Also, I mailed hard copy documents as well. But, there is NO WAY to confirm that the documents were received from their end. 


There is no way to communicate with someone who can solve my issue. 

This is the worst customer service that I have seen. It has been almost 10 months and they still reject my disputes without looking at supporting documents and ignoring my requests,. 

If you please help me to solve the issue, I will really appreciate it. 

Sincerely,
Consumer complaint received 2021-07-11
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. (LA)

I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Credit Card account holder is deceased as of XX/XX/XXXX. Citibank charged {$99.00} annual fee to the account in XX/XX/XXXX, no payment was made since account owner is dead. I contacted Citi probate department but no action was taken. They have reported delinquency to Credit Reporting Agencies even though the account is closed with no dept. I was an authorized cardholder and this has negatively affected my credit score.
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the XXXX  data breach and this may be the result of the inaccurate items on my reports.
Consumer complaint received 2021-06-16
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. (MI)

Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.
Consumer complaint received 2021-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

The company CACi is trying to collect without proving I owe debt. It belongs to someone with similar name. Not my debt and I will NEVER pay it. They havent showed proof they can collect in Texas and they didnt give me a full 30 days to dispute before they placed it on my credit! They are violating my rights! I was affected by the natural disaster COVID 19 too.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 EDD posted {$4100.00} to my account in the form of 4 {$1000.00} deposits. My balanced was transfered out by BofA without my consent. I immediately notified them of the error but they said they couldn't help me. For me to contact claims. Consequently I fallowed all procedures to have my money returned however the bank claims that i only submitted 2 transactions instead of the four. They granted the 2 claims but when i inquired about the other 2 they said i needed to submit them separately even though they occurred ant the same time. Now they said that the last 2 were denied. They accepted liability for 2 out of the 4 transactions now i had to appeal their decision. Clearly they made an error by not submitting all 4 transactions.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

Around XX/XX/2021 I received an alert the my credit score had dropped, I quickly reviewed my credit report and found an account being reported as delinquent. This accounts shows as XXXX XXXX, the amount owe apparently is {$440.00} The account is being collected by a collections agency called Convergent. I contacted XX/XX/XXXX multiple times and they were unable to assist me, they were asking me to provide a password for an account that is not mine. I explained to the agents that this was not my account, I only have one account with XXXX XXXX and that account has an impeccable payment history. I have never requested to have an additional account, nor have I live in a different address for the last 20 years
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

At the beginning of the Pandemic, XXXX XXXX offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, XXXX XXXX decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (CT)

At the child get together my phone and wallet along with my sons cash app card and my other cards used to fraud and steel money were taken, then on XXXX XXXX XXXX. {$300.00}, XXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX. {$200.00}, XX/XX/XXXX XXXX XXXX. {$300.00}, XXXX XXXX XXXX. {$1000.00}, XXXX XXXX XXXX. {$33.00}, XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX XXXX. {$200.00}, XXXX XXXX XXXX. {$800.00}, I wrote both companies providers Card by XXXXXXXX XXXX and cash app. The said the saw no error. But my son was smart and finally logged us back into the apps, we regained access and saw the fraud. We told cash app that the fraudsters texted support acting as if they were my child to raise the withdrawal limits to take more funds.Cash app left the routing and account numbers on my kids account the same and the debit card numbers the same after knowing of the fraud. It is being disputed and appealed again.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX XXXX My credit score was increased by 77 points on my XXXX account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if possible.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-11
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. (NJ)

I am disputing the reporting of an XXXX account. I first disputed this account on XX/XX/XXXX for inaccurate reporting, the results came back as meeting the " FCRA ''. I then disputed again on XX/XX/XXXX, asking to verify the account, it came back as completed with no changes. On XX/XX/XXXX, I disputed the " date last active '' because none of the dates matched on my credit report ; it was not corrected. I disputed the " date last active '' once again on XX/XX/XXXX ; it came back verified and was not corrected. I then disputed the " date of last payment '' on XX/XX/XXXX because the dates were inaccurate on my credit report ; it was not corrected. I sent out a follow-up letter on XX/XX/XXXX disputing the " date last active '', " date of last payment '', and the " payment history '' that showed inaccurate reporting ; it has not been updated or changed. On XX/XX/XXXX, I sent out a violation letter asking for a deletion for this account because the " date last reported '' has not been changed even though this account came back verified. This account also was sold to another company and it doesn't state that in the comment section of my credit report.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citi Bank automatically closed my account and told me I would have to submit a new credit application to reopen it. Because they closed it my available credit will be lowered which will negatively affect my credit score as will a new hard inquiry. This is a coercive way to make people apply for credit and negatively impacts consumers.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

In XX/XX/2021, we received a letter purportedly from our mortgage institution, asking to confirm the Social Security Number associated with the account. 

Enclosed with the letter were two government forms : an XXXX from the Social Security Administration, which is an authorization to release SSN verification. This form was partially completed by the sender, who listed the " Company Name '' as JPMorgan Chase Bank, XXXX, and with the address XXXX XXXX XXXX, XXXX, OH XXXX. 

The second form was an XXXX XXXX Request for Taxpayer Identification Number and Certification. This form was left blank. 

The address on the cover letter, however, was in XXXX XXXX, TX, not XXXX, OH. 
Odd. The Cover Letter also offered a fax number one could send forms to ( XXXX ) XXXX. This address was : Chase, Mail XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. 

This whole thing stunk. We've never been asked before by a mortgage company for our SSN after the close. That's just weird. I called the phone number on my actual mortgage statement ( XXXX ) XXXX and Customer Service confirmed this was absolutely NOT from them. I hope other consumers are not fooled by this semi-official looking correspondence.
Consumer complaint received 2021-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National credit system says I owe the XXXX on my credit report. There website doesn't fine me. I email and call them with no answer. About my debt. I show proof that doesn't find me. They have not gotten back to me in a timely fashion
Consumer complaint received 2021-06-16
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: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (NC)

Sun Trust Bank is trying to collect {$330.00} which they say is an overdraft. I do not have an account with them. I have never had an account with them. They've sent me about 5 or 6 letters and duns which is a nuisance. I suspect that this is a scam. 

They give their addresses to be XXXX XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CO)

Wellsfargo did not change my address until XXXX 2021, and the late payments is for XXXX and XXXX of 2021. 

I paid and close account in XXXX 2021. The late payments should be remove. 

XXXX XXXX
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (GA)

Zwicker & Associates, P.C. Attorneys at Law filed a judgement against me, we agreed to a payment schedule which I have abided by in fact I am about 4 payments ahead of schedule. A debt collector continues to call me requesting a payoff even though I'm ahead with my payments this is very annoying, he called on XX/XX/XXXX, XXXX and XXXX, again XX/XX/XXXX, XXXX & XXXX, is this legal for them to do with a signed agreement of payment schedule. It is better to contact me after XXXX or by email. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

The collection is not from the original creditor. Convergent Outsourcing Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (OH)

Citi bank charged my card for items that I didnt order. I talked to them many times with no response or resolve. When they reported my account to credit report as delinquent, I finally paid it so my credit report, which was over XXXX at the time, would stop falling. If you check my report you can see that I had an excellent score. Any help would be appreciated.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (IL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (TX)

not mine : fcra not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX J XXXX
Consumer complaint received 2021-06-15
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. (TX)

not mine : fcra not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX J XXXX