davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
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 (NE)

XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX Care Credit, XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX concerning XXXX XXXX XXXX ( XXXX ) of XXXX, Colorado. OnXX/XX/XXXX, I received documentation from XXXX XXXX where they had questioned a medical provider, XXXX XXXX XXXX XXXX XXXX, instead of XXXX. How XXXX XXXX thinks that the XXXX XXXX XXXX XXXX XXXX is the same as XXXX XXXX XXXX  is beyond me. 

Please require XXXX XXXX to properly investigate the complaint against XXXX as originally requested on XX/XX/XXXX and respond appropriately. 

Thanks! 


XX/XX/XXXX This charge is from the fraudulent company, XXXX XXXX XXXX ( XXXX ), who charged an exorbitant amount to write a mediocre, at best, resume that has not received any response. Their contact person just kept saying to contact your former co-workers and friends for job leads. I complained to him multiple times both prior to the end of their six months of non-help and following and never received a call back. I then complained to the Colorado Better Business Bureau in late XX/XX/XXXX or early XX/XX/XXXX, and have yet to hear from them or receive any real help at all. They did provide a short half-page list of recruiters they had supposedly sent my resume to for support. When I started calling them after no response, I found that most of them were out of business, so it is no wonder they were of no help. It is clear to me that once XXXX has the money they wanted and called 3-4 times to tell you to keep contacting people on XXXX, they are finished with support and move on to the next gullible unemployed/underemployed person. 

I subsequently contacted two recruiters ( both of whom specialize in other industries and were not able to help me ), one of whom said that XXXX is a known rip-off and expressed his sorrow that I was abused by them, and the other recruiter who identified the XXXX resume as pathetic. Additionally, two HR people have helped with suggestions to improve major flaws in the XXXX developed resume. 

As a result, I am disputing the entire charge for the lack of service and support that was promised in their sales pitch to be provided by XXXX. Please advise further in how to dispute this charge.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Information Services, Inc. (FNIS) (ME)

I had account with a credit union. The direct deposit from the VA was not properly routed. Deposits were made in cash, at a local credit union branch. On XXXX XXXX, 2016, payments were made via bill pay. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day lates to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. Never have I had a bill payment service approve payments while there are insufficient funds in one 's account. Also, this company has not mailed me at the address on file with the credit union, in regards to this matter. The credit union did reverse the fees in regards to this matter. I also closed my account with the credit union, due to this.
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XXXX XXXX XXXX, I bought a washing machine on-line from Best Buy for {$690.00} ( including taxes and hoses ). I applied for the Best Buy visa card since this card allowed me to pay my purchase using installments, interest free, for 18 months. Little did I know that Best Buy will start adding fraudulent late fees charges on my account. Initially I was paying $ XXXX/month. In XXXX, Best Buys stated they did not receive my payment and that I was late. I verified my XXXX XXXX account and the payment was sent. I called them on XXXX XXXX and the representative told me they will revert the late fee charge of $ XXXX.They credited me {$27.00} and not {$31.00}. The supervisor I talked to on the same day, XXXX XXXX, stated that my payment for XXXX XXXX is {$31.00} since I sent another payment of {$27.00} on XXXX ( that was received on XXXX ). I asked the supervisor multiple times if that is the correct amount I have to send and she said Yes. I also asked why my monthly payment would change from {$27.00} to {$31.00} and she did not answer my question.To my surprise, the bill received this week shows that I was supposed to pay {$61.00} though no bill was sent to me with that amount and the supervisor stated clearly I have only to pay {$31.00}. It is very unclear to me where {$61.00} is coming from, how this was decided when all the correct payments were made in time and why the supervisor mislead me? The supervisor also stated though she could not change the late fee charge for {$31.00}, however I would see it credited in my XXXX bill and then my monthly payment will return to the standard {$27.00}. That did not happen at all. In contrary, they started to change my monthly amount from {$27.00} to {$31.00} to {$57.00} to {$61.00} that served only to confuse what the exact payment should be. I feel this is done with a deliberate scope to confuse the payers and add illegal charges to their monthly bills.Not only I did not get refunded the {$31.00}, they claimed now I was late for two months on payments and added another {$64.00} late fees, with no explanation. Is only XXXX, how can they add late fees for 2 months since XXXX XXXX? Conveniently they do n't have any records of the people I talked to or the full names of the supervisors. 

Since XXXX until today, XXXX XXXX XXXX I paid {$200.00} towards the total purchase. My total purchase was {$690.00}. Tonight I sent the payment for the difference of {$490.00} and requested the closure of my account. The representative XXXX, XXXX refused to remove the late fees charges, to close my account or allow me to talk to a manager. 

I was not late on my payments hence there is no reason for them to charge me {$64.00} in fees for 2 months. I have an excellent credit score of XXXX and was never late on any payments. Best buy credit card is refusing to close my account or remove these bogus late fees charges. 

This constitutes fraud and I am requesting an investigation on this illegality.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
Consumer complaint received 2017-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

XXXX XXXX received 11mos of payments from XXXX XXXX XXXX for 6mos. Tenancy from XXXX XXXX/XXXX/XXXX. According to office print out from XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX  manager XXXX XXXX, signed Mutual Recission of Lease with tenant XXXX XXXX XXXX XXXX XXXX. Tenant was XXXX unit had termites and other insects that were n't being treated. Tenant has print out from XXXX and on their print out showing payments. Email states after move no debts owed per XXXX XXXX. Third party collection company has been harassing me about debt affecting credit score claiming court case. Never served no knowledge of case. XXXX filed for eviction 2mos. After I moved out of state. I have movers XXXX and storage receipts from XXXX. I had reasonable accommodation for rent amount and emergency move due to harassment by XXXX XXXX, my home care aide witnessed. They would n't accept doctor report wanted me to remove my clothes for pictures. I felt threatened and helpless. XXXX followed. Unit already failed inspection recission already signed. I was terrified!!
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AR)

XXXX XXXX XXXX ( XXXX ) continues to report inaccurate negative information to the three major credit bureaus. On XXXX XXXX, 2017, I requested that XXXX provide the following information to validate the debt allegedly owed : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me.
Consumer complaint received 2018-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NM)

On XX/XX/XXXX, we ordered an item from XXXX. The Item Seller ended up cancelling the transaction and issuing a refund. We got the credit card statement and it showed the item was Paid, and no refund was issues. So, we called Paypal as their company name is on the Credit Card invoice. Paypal supervisor said the Merchant issued a refund on XX/XX/XXXX, just 3 days after the item cancellation. Paypal says the refund usually takes a few days and possibly up to 30 days. Paypal supervisor then said, " We did our job, the money was put back on the card ''. I asked him " then why is there no evidence of a refund? '' He then said, " it can up to 30 days for your refund ''. I questioned him, as he just got done telling me the money was refunded. This supervisor was loud, talking over me, interrupting me and clearly was upset from my questions seeking clarity on the matter. I asked to speak to his Supervisor. This next and last supervisor named XXXX demanded to know my first and last name, so he can Verify the account, this was after i already Verified the account with the other supervisor and the agent before him. I told him my first name and told him i am tired of all the games, as i already went through all this before. He continued to speak over me and be argumentative, so i hung up and am filing this complaint. ALL CONVERSATION WITH PAYPAL HAVE BEEN RECORDED AND MAY BE USED IN A COURT OF LAW.
Consumer complaint received 2017-10-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (LA)

Deferment program for requested for XXXX and XXXX of XXXX. Contacted company via phone advised that my XXXX XXXX is not show XXXX late for XXXX and XXXX. Sent copy of credit report to company showing account was marked late. XXXX has still not fixed the issue. Also had instant messaging convo requesting new due date in XXXX that was never done. XXXX XXXX who researched the issue is still incorrect. You are not supposed to report XXXX as late if they late payment was done in XXXX. My credit report is currently showing XXXX payments XXXX late which includes XXXX and XXXX XXXX. If your going to hide behind truthful then report it truthful and learn how to send a professional letter to a customer. For account XXXX. Regardless of anything XXXX and XXXX should not be marked as late.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A late fees & interest was charged by BoA for their failure to trigger Auto Pay. When asked the representative, I was told that fees were legit and ca n't be reversed. Its not the first time this has happened. I had a similar issue and had to pay the fees & interest but, now, I would not pay for bank 's system mistake.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX. I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I was informed by Equifax that I was possibly affected by the breach that Equifax has going on. I enrolled in their free product trusted ID and this service give XXXX the option to lock and XXXX lock your report. I kept my report locked because as stated by Equifax I was possibly at XXXX of identity theft. I had my report locked and went to unlock it as I tried to apply for credit. Got a error message that my request failed to unlock it. Friday XXXX XXXX XXXX gets a letter from Equifax that a fraud alert had been placed on my account. I never requested any fraud alerts and no disclosure advised that by locking my report that they would take it upon themselves to place this alert. Unbeknownst to me that would notify the other bureaus informing them to place an fraud alert on my report. Such a nightmare I am experiencing. I contacted Equifax to try and figure out what was going on and the XXXX hours I spent on the phone with them and the XXXX reps I spoke with had no clue how to help me and to this day my report is still locked. No one apparently knows how to unlock it. I never received an PIN numbers for my credit to be pulled when applying for credit! All I can say is this is such a night mare.
Consumer complaint received 2017-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/XXXX XXXX XXXX obtained my mortgage. I paid them 33 payments from XX/XX/XXXX to XX/XX/XXXX-all cleared. ( See attached listing of payments. ) XX/XX/XXXX SPS Servicing obtained my mortgage. ( See attached letter. ) 14 payments have been made to SPS and they have all cleared. ( See attached bank statement sheets showing the payments paid. ) I received a notice from SPS telling me that one of my payments was None Sufficient Funds. I called SPS and one of the representatives told me that it was the XX/XX/XXXX payment. I went to my credit union and obtained a certified letter showing that the XX/XX/XXXX payment cleared. 
Then I called SPS again ( because my account was still showing behind 1 month ) and they told me that my previous servicer, XXXX XXXX, sent them a notification telling SPS that one of my payments to XXXX was None Sufficient Funds. SPS says that they had to pay back to XXXX one of my payments that was NSF -- -SPS took one of the payments I made to SPS and supposedly sent it to XXXX . I asked SPS to send me a copy of the notice that XXXX sent them. First they couldnt find it ; then supposedly they found it and they were going to send it to me, but I have not received it. Now my account shows 1 month late and SPS has already reported me to the credit bureaus and my credit scores have gone down. 
I called XXXX XXXX, my previous servicer, and explained the issue to them. They processed an investigation and called me back to tell me that they have not requested monies from SPS ; that my account is closed and paid with them and that they have no rights to my account and it would be illegal for them to ask SPS for monies due toward my closed account. I spoke to XXXX, at XXXX, at XXXX, email : XXXXXXXXXXXX. 
I called SPS to tell them what XXXX told me. SPS continues to tell me that one of my payments to them ( SPS ) is still showing NSF and that I am 1 payment behind. So do I owe XXXX or did one of my payments to SPS not clear? They are really confused. Its like nobody has really taken the time to review all the documents I have emailed them to make sense of this situation. 
As you can see from copies of my bank statements ( attached ) which show my payments to SPS, none of the payments have ever been None Sufficient Funds to SPS -- - And if I ever didnt have enough funds in my account, my credit union pays the withdrawal and then charges me {$30.00}. I have been trying to resolve this since XX/XX/XXXX, as you can see from the letters I have received from SPS. And of course now they want me to do a loan modification to fix the issue. I have to tell you that I really, truly feel sick to my stomach every time I have to call SPS and try to clear this up. If I owe the payment and someone can tell me, and show me, why and where I 'm wrong, I will pay it - But they can not give me a clear answer. 
PLEASE HELP ME.
Consumer complaint received 2017-10-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I have sent 4 request for Experian to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Experian regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Starting in XXXX, I began sending certified letters to Equifax this year in regards to unauthorized inquiries. I noticed that my mail box was flooded with denial letters for things I had no knowledge of and did not authorize. In my attempts to have the situation resolved, I have received a generic response that the inquiries are of factual record and will remain on file for 2 years. I do n't understand how this information is of factual record when I did not authorize them and are fraudulent. I was informed by a Equifax employee that I was affected by the breach and was told they would dispute the information. However, I received another letter that stated " contact the creditors ''. I am disappointed in Equifax as well as their customer service. This is XXXX company that truly can not be trusted.
Consumer complaint received 2017-10-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advanced Professional Group (AZ)

They contacted my mom, brother and sister. They collected funds from my mother without my consent. I contacted them the first day they called my family and asked them to only contact me. They continually contacted my family & gave my mother details about the debt so she paid it in full. I never authorized them to speak to anyone about my debt
Consumer complaint received 2017-10-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient XXXX XXXX has refused to release me from co-sign contract. My daughter has maintained a consistent payment for well over XXXX years ago and by contract I was supposed to be released from the co-sign contract if she consistently paid for 36 months and showed evidence of XXXX employment during that time period as well They claimed that since my daughter picked up other Credit debt I still have to remain a co-signer to the school loan ... XXXX is an unfair requirement and a violation of the original contract when I co-signed on the original loan
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AP)

I am called 8-10 a day between XXXX and XXXX by Comitiy bank. We are currently overseas and they have continued this for WEEKS. My husband is in the military and we can not get any sleep because of these repeated calls!