davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX, I opened a XXXX Credit Card that is under Synchrony Bank. On XX/XX/XXXX, I called XXXX to close the account. I had never registered or used the card so my account balance was {$0.00}. 

However, I noticed that XXXX had opened another credit card account for me instead of closing my original one. Now there are currently two credit card accounts under my name in XXXX. I had no knowledge that another account was opened and I did not consent to opening another account. I also never received the other cards for the second account and I can not log in online to my account to I am concerned about being able to properly close both accounts due to the company 's poor service and malpractice. I am also concerned about XXXX opening another account for me without my knowledge again. These disturbances has also negatively affected my credit score.
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SD)

I am XXXX in XXXX XXXX veteran with XXXX surgeries. Well Fargo gave someone {$80000.00} out of my checking to someone and to another bank. Someone sent my check and no signature to wells Fargo. Wells Fargo gave the money to someone without proper support paperwork. I nee the name of bank and person making the transaction. it has been XXXX months since my first complaint and no money or explanation. It is time for wells Fargo to stop stealing old retired XXXX  veteran who has a XXXX and can not read. Wells Fargo is so big they can do anything with no consequences. This is a case of theft from a XXXX abuse and they do nothing.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-08-26
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 (TX)

I purchased a cruise using two credit cards. I had to use two cards as the cost of the trip exceeded the credit line of my primary credit card. The cruise line cancelled the cruise on XX/XX/XXXX and I was notified by my travel agent via an email. I submitted my refund request with the cruise line on XX/XX/XXXX and called them to verify that they received my refund request. The cruise company did not provide any written confirmation of my request. 

The cruise line stated that they may not issue the refund for several months. Their policy is a violation of the credit card merchant agreement and federal law. So, I notified both credit card companies in XXXX and they advised that they would take action if the refund was not processed by XX/XX/XXXX. 

One of the cards issued the credit on XX/XX/XXXX. 

Synchrony Bank has taken no apparent action and almost two months after I initially contacted them, and made two follow-up phone calls, they are now asking for proof of the cancellation. This indicates that they have not even contacted the cruise company. The cancellation notices are public information and all international travel is suspended. Anyway, I have provided it to them. 
I filed the disputes with the credit card companies because I am concerned that the cruise line will go bankrupt and I will be responsible to pay for a trip that was cancelled. 

I hope you can intervene and get the refund expedited. I also want people to know that they should avoid using Synchrony Bank credit cards. Thank you.
Consumer complaint received 2020-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

I spoke to USBank back in XX/XX/2020 to see about a making a smaller payment due to my hardship with COVID-19. The representative I spoke with took my payment for {$100.00} and advised that she would ensure that any negative credit reporting would be placed on hold. 

I then go to check my credit in XXXX and US Bank reported my platinum credit card as 30 days late. I contacted US Bank platinum card services and was told that I had to write a dispute and mail it in. They have no place to send an email or research the issue over the phone. 

I then take the time to write a letter to dispute the negative 30 day credit reporting and mailed to US Bank. I have yet to hear about any results. 

I was given wrong information the few times I have called in and want the credit reporting fixed immediately. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-08-18
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: Navient Solutions, LLC. (MO)

I filed a complaint with CFPB regarding the inclusion of Navient in the Public Records section of my XXXX XXXX report. In response to that dispute, XXXX XXXX now has two Navient accounts that have been reported as included in bankruptcy on my credit report. At the very least these are duplicate accounts and at most they are outright false accounts. I spoke to Navient and they indicated that they have done an investigation, but I have to wait 30 days to get the results. I asked when the letter was sent out and they said it had not been sent out yet, but that the investigation was complete on XX/XX/XXXX. The new entries on my credit report, which caused my score to drop 56 points, are dated XX/XX/XXXX. I have until the XX/XX/XXXX to appeal a decision to fund my business and this is going to drag on past that date, which means I will be denied the funding.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I contacted Synchrony Bank, which provides services for Paypal. I needed to make a payout of existing purchases and balances and only leave my recent purchase, which was on a monthly repayment schedule. I spoke to an agent and we figured out what was owed. I submitted a payment of {$1300.00}. The payout was never applied correctly and almost {$600.00} has mysteriously disappeared. I have called them several times and they repeatedly say that they will fix it. They have not. I am missing money and I refuse to make additional payments until this is resolved.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for 2 accounts on my report. XXXX XXXX  was the original creditor for both accounts ( XXXX XXXX XXXXt and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

Have been called over 10 times a day from different numbers but all are the same company as they are attempting to mask who they are. They are advising to have a representing attorney contact them to resolve the matter or they will escalate further. Which feels like they are harrassing/threatening me.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts : XXXX XXXX  -- XXXX XXXX  -- XXXX. 
XXXX XXXX XXXX  -- XXXX XXXX  -- XXXX XXXX  -- XXXX XXXX XXXX -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

The following inquiries were not authorized by me and I request removal : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And I am demanding the removal of the address XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MA)

XX/XX/18 received letter from XXXX stating my card # XXXX which never had a late payment was being closed because they did not have a physical address for me.The phone # ( XXXX ) they used to contact me was temporarily not viable because I had moved, the # is now active .I called the XXXX bank and spoke with mangager XXXX on XX/XX/18 about closing the card she was very rude and unhelpful.They could have contacted me by mail but went right to cancellationI 've had the card for years with no problem all that time they did not have a physical address.My main concern is that this cancellation will negatively affect my credit.I 've been a very good customer for years if they don't want my business that's fine but having a negative issue on my credit rating for no good reason is not acceptable.
Consumer complaint received 2020-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

In XXXX I advised my servicer, LoanCare that they were not timely processing my payments, were improperly assessing late fees, and taking my additional payments and applying them to the improper late fees instead of towards the principle. I requested an account audit, that the improper late fees be removed, that the additional payments be applied to the principle, and that the interest be adjusted. After several months, the servicer finally began addressing this issue in late XXXX XXXX. As a result of their account correction, the servicer removed 6 months worth of payments and sent me a notice of intent to foreclose on my property on XX/XX/XXXX and advised that those same 6 mths payments were passed due, that I was in default on my mortgage, and had to issue a forthwith payment of {$5000.00}. I thereafter had to obtain a certified statement from my bank along with the cancelled checks issued directly from my bank to confirm that the payments were received by LoanCare, that I was not in default, and had no late fees. I filed a Complaint with this agency and did not receive a satisfactory resolution.

While LoanCare was making account adjustments they issued a 1098 statement for XXXX that did not represent the 12 months of mortgage and interest payments I made. I filed a written request with LoanCare on XX/XX/XXXX, have called and spoken with various company representative on at least 10 occasions with the last being on XX/XX/XXXX and to date they refuse to provide a corrected 1098 statement that represents the full 12 months of payments they received in XXXX. Additionally, they have begun improperly assessing late fees to my account again. I have advised LoanCare of this extraordinary burden, that i have been assessed additional fees by my tax accountant as a result of these delays, and that I am not able to file my XXXX taxes due to these delays. I have exercised extreme patience, have had to explain to the representatives the errors on my account because they do not read the account notations and instead of also correcting the new issues with the additional improper late fees, was advised that I had to make a separate complaint about the matter. Lastly, LoanCare initiated and granted forbearance request for my account when I have never request one. When I told LoanCare to remove the forbearance, advised that I never made a request either in writing, by phone call or any other manner, they advised that they were not sure why someone initiated the request on my account as they did not have a record of me making the request. 

This servicer does not keep and maintain accurate business records, refuses to timely address or address at all the errors with their business records for the accounts they service, and places the consumers at an extreme unfair disadvantage due to their failing and negligent business practices.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I went into the bank to apply for a loan. I was denied because when they pulled my credit profile the information that was showing belonged to my brother XXXX XXXX XXXX which included his SSN and DOB. Then I spoke with someone at XXXX consumer credit report and was informed that my Date of birth was incorrect. The incorrect date of birth reported was XX/XX/XXXX. They also told me I had a XXXX XXXX  account in my name for {$240.00}. I paid that bill on XX/XX/XXXX. My correct Date of birth is XX/XX/XXXX. I have sent in the following documation to all 3 credit companies XXXX, Experian and XXXX my Birth certificate, Social Security card, Identification card, along with Bank statement with proof of address. On XX/XX/XXXX I sent certified mail to all three Credit companies and still have not received no information. I have a tracking number for the mail I sent and the documents have not been signed for. they have been sitting at the postal office since XX/XX/XXXX. They are required to provide a signature when they are picked up. No one has picked up these documents from the postal office as of today. When I call the numbers to speak to someone I get a foreign who can barely speak proper english and continue to tell me to call back they have not received the documents. When I go on annual credit report and put in my information my brother credit profile comes up instead of mines. I do not have any credit in my name but I can not apply for anything because his information is on my profile. Attached to this complainant is proof showing when I pulled my credit report. This should not be happening Track Number for all credit companies : XXXX XXXX XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2018-09-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (DC)

Back onXX/XX/2017 i submitted a complaint with CFPB in regards to my the invalid debt of the account associated with Hunter Warfield. They corrected the debt owed reporting to the 3 credit bureaus. As of today, they are incorporating interest on a debt that has a firm amount owed in which it is XXXX. The other account with XXXX XXXX is currently at {$830.00}, which is still stating I owe {$1000.00}, which is being reported. I came to a monthly agreement on a 24 month payment plan in the amount of XXXX, until debt is satisfied.
Consumer complaint received 2020-07-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

Whether my employer qualifies for PSLF. The attached document refers to the prior SEVEN " 7 '' complaints that have not been resolved. This is not a duplicate and should not be dismissed. The last complaint was dismissed as a duplicate. PLEASE ADDRESS my detailed complaint.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have recently reviewed a copy of my consumer credit report and I noticed that I had a fraudulent account. I am referring to the account from XXXX XXXX XXXX with account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize them and I do NOT recognize them. I have never entered into an agreement or a contract with XXXX XXXX XXXX which makes this a fraudulent account, inaccurate reporting to my consumer profile and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for ALL forms of communication from XXXX XXXX XXXX to cease and for this account to be deleted.

15 USC 1692 sec 805A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer