davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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 (NJ)

On XX/XX/2021, I sign a contract with a HVAC company to install a new heating and cooling system in our house. The Company estimated it was a " 3 day job '' and would be finished by the end of XXXX. 

The promotional financing terms and conditions stated that I was preapproved and the charge would be made once the job was complete. There were delays, supply issues, etc and the job was not completed at the end of may. However synchrony called to confirm that that company had said that the job was finished and that they had charged the card and a payment was due. 

I contested and disputed the charge on XX/XX/XXXX since the job had not finished and the contractor should not be paid the entire amount of the contract. 

I received a letter on XX/XX/XXXX stating that the dispute had been resolved in the merchants favor. Enclosed was the response from the merchant that stated without any supporting evidence that the job was " almost done '' and would be done on XX/XX/XXXX and there was no reason for the dispute. 

On XX/XX/XXXX, I faxed evidence contradicting several claims in the letter from the merchant as well as evidence that the job had STILL not been completed and the company did not have a good relationship with us. 

I heard nothing from Synchrony bank. On XX/XX/XXXX, I called and asked synchrony to review the evidence. They stated they had and that they had already reached a decision and " I needed to wait for the decision letter ''. I asked for the date of the letter and they referred to the XX/XX/XXXX letter. I asked them again about the evidence I had submitted on XX/XX/XXXX and they said they would have to open a new dispute. 

I am very concerned that synchrony bank is not doing its contractual due diligence in reviewing disputes and is unfairly closing the dispute process prematurely without any effort to validate any of the claims made by the merchant or providing us an opportunity to respond when the company offered no evidence to support any claims.
Consumer complaint received 2022-03-18
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. (NY)

I have disputed XXXX XXXX XXXX XXXX that this account is being reported inaccurately on my credit report for well over a year now. There are several inaccuracies in the reporting of this account. The date of last activity is different on each credit bureau by YEARS. Also, this account was charged off years ago but continues to update as though it is a live account which is an FCRA violation. I have asked this creditor to provide validation of the information that's being reported on this account to no avail. I have ALSO asked them to update this account with the proper information so that it's reporting accurately to no avail. The presence of this account on my credit file has kept me from getting funding for my business amongst other things. As a result of their inability to accurately report this account and remain in compliance with the FCRA and FDCPA, I am requesting that this account be removed from my credit report immediately.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. ''
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (MA)

Received letter from credit corp solutions from a XXXX  debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with XXXX  as requested by cc company. This debt was identify theft and already resolved a while back.
Consumer complaint received 2022-03-28
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. (ND)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-03-28
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 not my first case open with the CFPB concerning these accounts. I am completely shocked on how I am not being heard concerning these issues with Experian and XXXX concerning this account. I have been disputing the inaccuraccy of this account for 7 plus years. as of XX/XX/2022 report XXXX on account XXXX XXXX  XXXX XXXX XXXX Experian and XXXX continues to report in accurate information and now allowing XXXX XXXX to report unverified information as well. I am in receipt of Experian letters stating that my disputes of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic Then turn around and say that these items are verified. How? They haven't produced any documentation that I have requested from them. Yet you say its verified. ALL INFORMATION ON MY CREDIT REPORT IS SUPPOSE TO BE TRUE AND ACCURRATE YET BOTH BUREAUS ( EXPERIAN AND XXXX ) are reporting inaccurate information repeatedly. 
1. Experian shows that XXXX XXXX XXXX is the original creditor, while XXXX shows XXXX XXXX. 
2, Both have different open dates that are both inaccurate 3. Both bureaus have inaccurate payment histories and account status don't match at all. 
4. The balances are also inaccurate. 
5. When were payments made? A payment history is reporting.No valid or verrified information is being reported. 
I have tried to fix this account over 50 times and still I am being ignored. I have the right to have my credit report true and accurate according to the laws of the Fair Credit Reporting Act.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp. (IL)

In reference to United Auto Credit Corporation response to the previous complaint dated XXXX XXXX, I, XXXX : XXXX have continuously provided subsequent evidence of the matter involving the negotiable instrument ( payment ), that was received and recorded for the amount of {$6200.00}, dated XX/XX/2022. United Auto Credit Corporation has stated in response that I have not provided proof of payment from my banking institution, and this allegation is false. The negotiable instrument, ( payment ), that was presented and accepted by United Auto Credit Corporation, was given with clear instructions on what the presentment was and how to process the payment as Trustees over my Cestui Que Trust account. United Auto Credit Corporation had then provided a document of their " statement '' regarding what they claimed to be a reversed payment, however the transaction balance, ( loan amount ), reflects a balance of {$0.00}. Furthermore, United Auto Credit Corporation has not returned my payment, as requested, and it still appears on the account as the amount received. My question to United Auto Credit Corporation is how is that so? Moreover, the truth is United Auto Credit Corporation has continued to demand an alleged debt that is no longer owed upon the account because it had been properly discharged, dollar from dollar. According to 15 U.S.C. 1602g, We the consumers, are the original creditors. According to 31 U.S.C. 5118 You can discharge all debts and tender of payment does not have to be legal tender. The truth about United Auto Credit Corporation fraudulent lending practices and Trust Fraud in which they continue to engage, has to be brought to the light. All evidence involving the true settlement of this account is being forwarded to the State Attorney General, Federal Trade Commission, Consumer Financial Protection Bureau, anXXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC (FL)

On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to XXXX XXXX XXXX, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with XXXX XXXX XXXX he said it was for a loan in 2017. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that XXXX XXXX XXXX knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called XXXX XXXX XXXX and they said I owed a debt for {$250.00} not {$700.00} from 2017 and I asked if I could verify the loan but XXXX XXXX XXXX stated that I'd have to call jtm cap mgmt at XXXX. I XXXX  that company and filed a XXXX  complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.
Consumer complaint received 2021-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Please see also my complaint XXXX Today I received a letter from MyLoancare, accusing me that I missed my XX/XX/2021 mortgage payment and was threatened that Myloancare would report missed Payments to the major credit bureaus.

I a phone call with the Loss Mitigation Team from MyLoancare on XX/XX/2021 at XXXX XXXX  I was assured that I am on a approved Forbearance plan and that my next payment would be due on XX/XX/2021. I am very worried, that I loose my house and that their reporting ruins my credit score.

I called several times and sent around 20 emails. I always get a standardized answer that my email was forwarded to their " Specialists '' and I would get an answer soon. I never - ever - received and answer. I don't know what to do anymore, this company never answers. 
On XX/XX/2021 I checked my account on their website and i could see my Forbearance plan and that the next payment would be due on XX/XX/2021. After receiving this threatening, intimidating letter today, I checked again and it was gone.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of Bureaus. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act this account XXXX XXXX Balance : {$0.00} will be removed immediately.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I reached out to Portfolio Recovery to ask for a debt validation for this debt that has shown on my credit report for years. I did not refuse to pay, I simply ask that this company could send me viable proof that I lawfully owe them anything related to this debt. I did hear back from the company on with a letter dated XX/XX/XXXX. They provided notice that verifies ( not VALIDATES ) the debt owed. I received a second notice, days later that included the statements from the " original '' creditor and a letter stating that this debt collector now owns the account ( debt ) that has been purchased from the original creditor, dated XX/XX/2016. First, the information that I received is insufficient and does not provide viable proof that I owe them a dime. There is no signed contract between myself and this company, there is no invoice... only a statement was included and there is no account information that proves to me that I am responsible or obligated to pay this debt. These false and misleading actions have place this company in violation of many US codes, in which I have attached. This account has been on my credit report for years. First, according to Title 15 US Code 1692, I am the original credit and this company has admitted to purchasing this debt, therefore, it is theirs, not mine. I never, ever signed an agreement to pay this company anything. This false information is a case of identity theft as this company is claiming to be something they are not... .the current creditor. This account has been on my credit report for YEARS and has ruined my credibility. These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a XXXX dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!
Consumer complaint received 2021-10-05
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. (LA)

Hi my name is XXXX XXXX and I recently reached out to TransUnion and XXXX to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (CT)

this relates to Honda Financial Services for my lease of a XXXX XXXX XXXX. My account now shows a fee for {$430.00} online. There is no explanation there for the fee. I got a letter dated XX/XX/XXXX saying that they paid a traffic or parking violation on the vehicle for {$200.00} ( no info on the rest of the amount ). I never got any such a violation. I have had this before on my last XXXX XXXX lease, where I called and complained several times but got no relief and I could not fight back because they would call the lease, add tons of interest and penalties ( also without explanation ) and threaten my credit rating. I paid hundreds of dollars on that lease to avoid trouble.I don't want to get hit again. Also they must do this to all vehicle lessees, hurting hundreds of people who can't fight back. What happened then, and I think now, is I drove through electric toll booths without XXXX or other automatic payment, and you can't pay with money anymore, they take a picture of your plate and send the toll bill. But the toll authority sends the bill to the registered owner of the car, that's XXXX, not me, the driver. I never got the bill. Honda doesn't forward the bill to me or tell me about it. And they don't pay it when due, so it accrues hundreds of dollars of fines from the toll authority. By the time Honda pays it, it's hundreds. Then Honda bills me for the toll and all the penalties. If they sent me the bill, I'd pay it right away, or if Honda pays it right away and then bills me the original amount I'd gladly pay it. but this could cost me thousands of dollars for all the times I went though tolls. Also the only way to communicate with Honda Financial is by mail. they don't have email or a way to message on its website! There is a phone number, but it's a scam. I've waited over an hour on hold before giving up, nobody answers or wait times are often an hour or more.It 's a nightmare.
Consumer complaint received 2021-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint : TransUnion I XXXX XXXX XXXX would like to place a complaint against TransUnion Credit Reporting Agency. I have on my own attempted to have TransUnion report correctly the information about three bankruptcies being reported on my TransUnion credit report. Case number XXXX and case number XXXX of United States Bankruptcy Court . I have sent certified letters along with documents providing that these three bankruptcies were obtained illegally according to F.C.R.A. 
First, TransUnion stated that they obtained the information from another credit reporting agency ( XXXX ). 
I contacted XXXX via certified letter and enclosed I summited their reply which shows that the bankruptcies were reported in error and removed. I summited this along with court documents stating that federal courts do not supply any credit reporting with bankruptcy information. I also enclosed this document ; now I received a letter from TransUnion stating that they can not identify my ID. I find this very disturbing. If they can not identify my ID then how they can list bankruptcies on my report. I summit all listed documents to please help me and have TransUnion stop reporting illegally information on my report.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I, XXXX XXXX natural persons pursuant 15 USC 1692 has contacted PAYPAL regarding my account being closed. I was told it can not be reinstated until my full balance is paid. Asking for an alleged debt in the amount of {$1200.00}. Asking for payment to a positive balance of {$180.00}. I requested validation of the account and reconized the billing error and reported it. I have received correspondence that my account is closed due to non payment. I've made payment and still unable to use my card. The bank depends on me as a consumer and I extend my credit to them. This is against federal law pursuant 15 USC 1691 and I as a consumer have a right to my credit.