davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Continental Finance Company, LLC (IL)

on XX/XX/2023 I contacted Celtic bank about a card opened in my name as fraud .they told me the account XXXX was closed and I wasn't not responsible for the charges, but they have kept sending letters trying to collect the balance they are still reporting late payments to my credit report.
Consumer complaint received 2023-01-19
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-19
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-01-19
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. (GA)

Hello my name is XXXX XXXX and im a victim of identity theft. i need the following accounts to be removed from my credit report. i have submitted documents to the credit bureaus multiple times and the items still havent been removed. Ive also contacted the creditor about this matter. My credit card was stolen a few years ago. O ended up getting a replacement card but didnt do anything else because I didnt have much knowledge about credit. One day I decided to start using it an created a account with the credit bureau to monitor and check my credit and score when I noticed fraudulent accounts. Now that Im in need of my credit Im having a hard time because of these fraudulent accounts and charges.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

I recently opened a Citi Acceperate Savings account ( approx 30 days ago ). Once opened I transferred {$50000.00} into the account via XXXX from an external bank ( Bask ). 

On attempting to log into my online Citi account I was not able to and recieved a message that my account had been blocked and to call a number for more info. I called and was told that the account was flagged for closure due to fraudulent acitivity and that this process would take 30-60 days and after that time my {$50000.00} would be returned via a check sent in the mail. 

I protested this and told them to close the account immediately and return the {$50000.00} even quicker. Citi refused and kept telling me the same.
Consumer complaint received 2015-12-29
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Hi, I sent {$470.00} ( included {$10.00} service fee ) to my relative in XXXX through Moneygram on XXXX/XXXX/2015, which makes XXXX XXXX. My relative in XXXX went to collect this money from XXXX of the authorized place and he was informed that it is already collected. I asked Moneygram about who took the money they never answered me with complete detail and put my money into investigation after taking some info regarding the transaction from me. Moneygram told me that it will take 90 days to give me answer. Whne I asked them that tell me from which place moneyis collected and what kind of id had beed taken while releasing money to the collector, provide me that info so that my relative can go there and fond out about the reality. Moneygram refused to give me answer. I sent this money to my realtive and it is not received by him.
Consumer complaint received 2015-10-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

XXXX XXXX, 2015Letters of Harassments. Beginning to receive letters from Bank of America, addressed from XXXX, Tx XXXX. Cover page states " Time Sensitive ''. Letter states " Thank you for sending your financial documents. Here 's what to expect next. Letter goes on and states that I have initiated home loan assistance. The sooner we receive your documents, the sooner we can evaluate your loan for " MODIFICATION ''. Letter has signature block of XXXX XXXX, Home Loan Team, Bank of America.
Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

Home Depot/ Citibank Account XXXX ending in XXXX On XX/XX/XXXX i made XXXX payment disputes for missing payments that were sent via certified mail that have not been processed yet. 
Case ID : XXXX Missing Payment {$7700.00} Case ID : XXXX Missing Payment {$4200.00} Case ID : XXXX Missing Payment {$10000.00} Case ID : XXXX Missing Payment {$10000.00} Certified Mail Numbers for Payments sent, and Delivered. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$7700.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Sent {$4200.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$10000.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$10000.00}. 

PER FAIR CREDIT REPORTING ACT, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL PER 15 USC 6802.
Consumer complaint received 2015-08-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Certified Services, Inc. (IL)

Certified Services, XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX was retained to collect a debt on behalf of XXXX. This debt was discharged in my Chapter XXXX, along with XXXX other accounts held by Certified Services. The other XXXX accounts were removed from my credit report, but even after an investigation by XXXX this account remains reported as an open collections account. I would like it removed.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

XX/XX/XXXX Specialize Loan Services ( SLS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Consumer Financial Protection Bureau Previous COMPLAINT ID : XXXX, Submitted XX/XX/XXXX Outcome : As of XX/XX/XXXX, Specialize Loan XXXX XXXX XXXX ) responded to the complaint. However, XXXX Failed to Resolved the matter in the complaint. 

I am submitting a new complaint because SLS failed to Resolved the matter in the above-mentioned complaint ( attached ). 

SLS Mortgage indicated in their response to my original complaint ID : XXXX that they contacted me regarding the AHFA information needed to resume my payments. This information is not accurate. However, I did received numerous HARASSING collection communications from SLS Mortgage. 

In addition, as of this writing, SLS, has not corrected the issue of my complaint ( attached ). The Mortgage company indicated in their response that addition information was submitted to XXXX to resume payments on XX/XX/XXXX. This is unclear, my loan was not transferred to SLS Mortgage XXXX until XX/XX/XXXX. Also, SLS did not do what they said they were going to do to resolve the matter. 

As of this writing, 1. have not received confirmation that AHFA has received the required documents from SLS MORTGAGE to resume my mortgage payments 2. and the Credit Reporting Agencies has not been updated to remove ALL derogatory reporting from my credit report. 

In fact, according to XXXX XXXX ( AHFA Supervisor ) email ( attached ), dated XX/XX/XXXX, their office still has not received the requested mortgage information to resume my payments. The email further states that there are 43 other homeowners information that SLS has failed to submitted to their office. For that reason, they have forward to the HAF Administrators due to SLS failure to cooperate.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (NC)

I own a retail establishment that offers a store credit card to my customers. Synchrony bank is the company that processes these transactions and distributes funds to my bank while charging the transaction amount to the customer ( they receive a credit card with the amount of the transaction charged to it ). On XX/XX/year>, I logged into my client portal on the synchrony website and processed a transaction for {$1800.00}. The transaction was approved, the approval page loaded showing the approval and authorization number. On XX/XX/year> I received a letter in the mail from Synchrony stating that " Synchrony Bank will no longer offer consumer financing and credit card processing to you location effective XX/XX/year> ''. When I contacted synchrony bank inquiring about the letter and the funds that have yet to be deposited, they informed me that they closed the account due to lack of activity and will not honor the transaction because they stopped servicing my account on the same day the transaction was made. I am fine with the low activity closing of the account but at the time of the transaction, I was not made aware that the account would be closing. I assumed the traction was approved, thus services were paid for and the transaction between me and my customer was finalized. XXXX will not deposit the funds into my bank account.
Consumer complaint received 2023-01-19
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. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-19
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-19
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-03-15
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. (FL)

XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

To Whom it may concern I have called AMEX relating to my XXXX XXXX XXXX card to inquire if there is an account with no annual fee. That could replace the current card. The lady I spoke with has recommended to downgrade the card to a normal card to remove the annual fee. 

The lady did NOT disclose by doing so it will incur a {$300.00} credit reversal on the account opening promotion. I recall she said she even had to request for an approval before the account can be downgraded. But through out this process she had failed to mention the promotional credit will be reversed. 

Knowing a reversal will happen I would NOT have moved forward with the account downgrade it simply does not make sense. 

I have called the Support Team on Tuesday XX/XX/2022 the lady I spoke with states a case has been created for the above matter and will take up to 10 days for the research team to research the matter with Case # XXXX. 

I have called back on Thursday XXXX XXXX XXXX  this time another lady states the research matter will take up to 3 weeks. At this time I have requested to speak to a Supervisor. The lady states a Supervisor is NOT available and will call back within 24 hours. A week has gone past and I have NOT received any calls from AMEX. 

Therefore, I have called the AMEX Support Team Thursday XX/XX/2022 and spoken with XXXX  XXXX XXXX. XXXX states he is having technical difficulty and was unable to merge the call with a supervisor and states a supervisor will call back within 10 minutes this time around. But after 10 minutes has gone by no one from AMEX Support has called. 2 hours later based on the called ID it seems someone has called from AMEX. But I was unable to confirm because no one was speaking on both call. The call was hang up both times within 10 seconds by the caller. 

Please assist on the matter as I was not made aware of the reversal in promotion offer. The lady simply neglected to mention the matter. 

I'm requesting for AMEX to reverse the account downgrade so the fee can be reversed as well, or to credit the account of the {$300.00} that was paid. 

I have attempted to contact AMEX Support Team but no one is willing to help.

Thank You!
Consumer complaint received 2023-01-19
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX : {$8200.00}
Consumer complaint received 2015-06-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Alorica Inc. (OH)

In XX/XX/XXXX, my US Department of Education Loan was sent to West Asset Management. At that time I entered into a payment plan of {$55.00} a month taken directly out of my bank account. Faithfully for the past XXXX months this withdrawal has been taken out with a monthly reminder sent from West Asset Management that I granted them permission to do so. On XX/XX/XXXX a XXXX XXXX called XXXX XXXX at XXXX leaving a message stating that she was calling to speak to him in reference of me. Also on XXXX XXXX XXXX called XXXX XXXX and stated to her for this call was that the reason XXXX was calling was because I had XXXX XXXX listed as a contact person in my file. Both of these phone calls were told as a lie and are harassing to these individuals. I have the original paperwork that was sent over to West Asset Management and neither of the people that are listed above is on my paperwork. West Asset Management employee XXXX XXXX crossed the line when she lied to these individuals and did not have permission to contact them. If West Asset Management was trying to get in contact with me, they could have sent a letter just like they do every month to state they will be making the withdrawal for payment. I can see if I missed a payment and they needed to contact me regarding non payment, but I have my all of my bank statement starting from XX/XX/XXXX to present that payments have been made on time. West Asset Management should not be allowed to do this to anyone. The debt is being paid on time and the harassing and lying should get them maximum fine for crossing the line because I am following through with the agreement we have in place, and they did not have my permission to contact anyone.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (ID)

XXXX XXXX, the processor of the XXXX credit card, lied to me about their policies and intentionally processed a payment, received within one billing cycle, to the next billing cycle in order to charge me interest in the amount of {$3.00}. The representative of the company initially couldn't even figure out why I had been charged. A supervisor refused to reverse the charge. I have paid the account in full and closed it, though a I feel that this company should be stopped from lying to customers and intentionally processing payments late so that interest can be charged when it truly isn't applicable.