davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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 (CA)

I enrolled for CareCredit-Synchrony in to use a XXXX/XXXX   XXXX listed with them as a reputable provider. I went expressively to see if my XXXX could be saved do to an XXXX XXXX. At first XXXX said no, then he said he could XXXX it. I said that if it had to be XXXX, please do so, because I did not want to come back in a year to have any issues. He assured me and affixed a XXXX XXXX. This was the first of what turned out to be {$14000.00} worth of oversell. Within 9 months the XXXX was XXXX. XXXX was convinced it could be saved after 3 additional visits to his office where his other XXXX said that it had to be XXXX. He sent me to an XXXX who said that the XXXX should have been XXXX from the onset, about a year before. I have contacted CC-Synchrony many many times. I tried to work it out with XXXX many many many time. I have written letters. Through this I received a statement from to CC-Synchrony that XXXX 's office sent and half the items that were charged were never done as well. I am waiting for the CA Dental Board to get back to me because XXXX had lost his license to practice for exactly the same reasons before. CC-Synchrony 's position is that I signed the credit card statement, so they are not responsible for anything. I alerted them time and time again and they are the ones who said to try to work it out with the provider. That fix is well exhausted. My position is that, if we look at this credit card, services were not provided as stated and which these statements were never given to me at the time anyway. CC-Synchrony allowed a known criminal to extort money from me and fed them the lines to say to keep it as well. They told me from the beginning that if the work was not done I did not have to pay as well as I should never have paid up from for XXXX until the steps were completed, I am not even halfway through with the treatment and someone named XXXX said I told her personally how great my XXXX  look and I was glad to be done with it? I now question any and all work by XXXX and want my money paid to date back. He even charged and was paid by my insurance provider to pull the XXXX, I still own it and until this is settled I will bear the pain.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on two payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KY)

Hello, On XX/XX/XXXX, I received a letter from the California State Controller 's  office that a business had money that was due to me. The business is Navient Corporation ( Unclaimed Property Department - attention XXXX XXXX ) and the money due is from a settlement Navient owed in regards to my student loan repayment. 
I submitted the information that was requested on XX/XX/XXXX. On XX/XX/XXXX I received the following response : 'We apologize for the delayed response. We've experienced a higher than normal response rate. We received your letter and have submitted your claim for processing. You may expect a check in the mail within 8-10 weeks. ' On XX/XX/XXXX I emailed to inquire if I would still be receiving my check within the 8-10 week time frame stated. That same day I received an email from XXXX XXXX stating ; 'Your claim was processed, and a check should be arriving to you within the next 2 weeks. We appreciate your patience. ' After the two weeks passed I emailed again on XX/XX/XXXX to say I hadn't received the check and was inquiring as to when it would arrive. I have not received a response and the number for XXXX XXXX , ( XXXX ) XXXX, listed on the original form sent to me is only a recording and does not allow you to leave a message. 
Thank you.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo offered a mortorium ( ability to skip XXXX payments without penalty ) due to our area being declared federal disaster area after major flooding. We were advised at the end of this time period we could modify if we were unable to make all payments at once. There was no written disclosure or agreement this was all done by phone. Previously XXXX 2013 our mortgage was modified due to medical /loss of income hardship which disqualified us for any additional assistance ( according to Wells Fargo ) which was never disclosed to us. We have been trying to work with Wells Fargo now for over a year and continuously being told to keep applying for a modification that our loan does not qualify for, in the meantime we were told we ca n't make payments and escalated to foreclosure. According to Wells Fargo the reasons for denial is that we make too much money, need to show a reduction of income, have been previously modified, and need to show proof of a hardship ( Which the hardship was the previous flood and now the acceptance of the mortorium ) After attempting at least four times for assitance we were finally advised to basically give up that our loan would never qualify for further assistance due to the previous modification. This was a deceptive act by our servicer because this information was never disclosed so we could make an informed decision about going through with the mortorium. We currently do not have a sale date and periodically contact our lender to see if other programs or help exist only to be told we do still do not qualify for assistance. We 've also been told that they will continue to advise us to apply because they cant refuse to offer, even knowing the outcome will be the same. This has given us false hope and allowed our deliquency to snowball. We escalated this issue internally with some other concerns about how they were initially attempting to contact us ( visiting our neighbors asking questions, ie.. if we still live here ) When we never stopped communication with them. I received a letter stating they did not find any violations and dismissed my complaint. ( see attachment ) We believe that we are victims of deception which was executed by no disclosure for the mortorium agreement and also a form of discrimination not being offered assitance due to having previous issues with our loan. We would like to move forward with this matter as a foreclosure hearing date has been set later this month. Wells Fargo needs to make this situation right and restore our loan and our faith in our loan servicer.
Consumer complaint received 2021-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lazega & Johanson LLC (GA)

My daughter and I co-own a single family house. She lives in it with her husband and children. My daughter 's family is struggling financially with reduced hours and the results of Covid-19. They haven't been able to pay their HOA dues because of the financial difficulties they are experiencing. The debt for those fees were first passed to a collection agency XX/XX/XXXX and a couple of days ago we received mail from a lawyer representing the HOA that we are going to be sued and they are issuing a lien on the property. The original HOA fees were about {$790.00}. The lawyer is asking for {$1500.00} which includes {$350.00} for attorney 's fees and a lien fee of {$75.00}. This is the second time this law firm has done this. This happened before in 2016 and we paid them {$1600.00}. With everything that's going on with the virus and people out of work, I don't believe people should be subjected to this kind of action. We are not disputing that the HOA dues are legitimate. The last time I looked, I saw multiple complaints about this law firm. Their name is Lazega & Johanson, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Ive been a customer for over 5 years never had an issue. This card was secured with my own money and lost some time ago. At the time of loss there were 2-3 unrecognized charges the reps advised they would apply a credit of the secured balance to the account and I was not responsible for the amount being dispute which was minimal. I was advised to make a payment for the difference which was done and then the remaining XXXX  out. 

In late XX/XX/2019 I was advised this account was XXXX  out and is cancelled so nothing further is required. I have never been late and I have contacted the company on numerous occasions advising of my continued dispute. They are still pursuing this and attempted to collected twice as much that was even due at the time of this previously dispute. 

Filed an executive complaint at which time the rep advised no payment was due during the dispute process as that was exactly what was being disputed and they stated this would be handled internally. XXXX and XXXX should have been covered by Covid 19 disaster assistance according to their reps. They applied for XXXX and then again towards XXXX as they could only do one month at a time. Then on XX/XX/XXXX they contacted stating payment was due despite multiple conversations of the contrary Since they continuously act maliciously and have improper billing practices I just paid the entire balance in full to be done with them completely which again which was double what was ever showing on here then they said it was extended for XXXX and XXXX only to report past due on credit reports. Given the exceptional payment history on the account in terms of on time payments the continued efforts to resolve I will be seeking legal if this is not fixed on my credit profile and a portion of not all of the balance is returned to me People do not pay on time for 6 years then make efforts to communicate and set arrangements for covid 19 still being engaged even despite absolute disagreement only to be XXXX  over.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I tried to open an a XXXX XXXX account on approximetly XX/XX/XXXX and they ran my credit through equifax. On that same date I pulled my own equifax account. The score I pulled on my own account was XXXX but the score given to me by XXXX XXXX was XXXX. They also said i have delinquent accounts but my report from equifax says I have none. I called equifax and they tried to charge me 8 .
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I have XXXX loans that are reporting as No Status on my Experian report. I have disputed this account as I disagreed with the balance and date of final activity. Instead of the information being updated or deleted, it has been updated to " No Status '' with no information available. The tradelines also state " Account in dispute under Fair Credit Billing Act ''. 
The dispute has ended according to Experian. In addition, Experian will NOT allow me to dispute these accounts anymore. If they can not verify that XXXX is reporting correctly, these XXXX tradelines should be deleted from my report as soon as possible. I have applied for credit and these " No Status '' tradelines have caused me denial of credit.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CA)

I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (MD)

I received a letter from TRS recovery services/XXXX  - Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, telephone XXXX, XXXX. Letter states they're communicating from a debt collector and its an attempt to collect debt and that any information obtained will be used for that purpose. Reason Check returned, account closed. The amount they are trying to collect is TRS/XXXX  for {$28.00}, fee {$25.00} total amount due {$53.00}. It also states to send the money to Return Mail Processing Center, XXXX. XXXX XXXX, XXXX, GA XXXX. I called my bank and they warned me that it was fraud because another customer had reported the same. I call XXXX and they did have the correct amount but I did not owe them anything because my purchase had gone through ok.
Consumer complaint received 2020-05-06
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)

I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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: EQUIFAX, INC. (LA)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I RECENTLY SETTLED A OLD CHARGE OFF ACCOUNT WITH XXXX THAT WAS DUE TO FALL OFF MY CREDIT DUE TO IT WAS AN OLD DEBT FROM 7 YEARS AGO I AM IN THE PROCESS OF PURCHASING A HOUSE AND WAS ADVISED BY MY LENDER THAT THIS ACCOUNT WOULD NEED TO BE TAKEN CARE OF I CALLED AND SETTLED THE ACCOUNT WITH XXXX. I PAID AND SETTLED THIS ACCOUNT IN FULL AND FORWARDED THE LETTER TO ALL CREDIT BUREAUS TO REFLECT THE ACCOUNT IS SETTLED AND TO REMOVE THE ACCOUNT FROM CREDIT, I KEEP GETTING THE RUN AROUND THE CREDIT BUREAUS HAVE UPDATED WITH A BALANCE ON THE ACCOUNT WHEN IN THERE IS NOTHING OWED. THE ACCOUNT NEEDS TO BE DELETED.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I am a victim of identity theft. The fraud Venmo account is a result of the identity. The account was opened with fraudulent email and phone number that are not mine. I sent in email and made multiple calls to reach out to the institute to alert the fraudulent account when I received a Venmo debit card that I did not apply. I received an reply email of my email request. It states that no account associates with the email I use, and I should tell the police to send in request to open investigation. I called Venmo to follow up the dispute, but they claim that they can not verify my identity due to the account not linked with email and phone number I use even if I offer to provide other information. Since it is a fraud account opened with fraud email account and phone number by others, I have no knowledge of those information and I can not prove my identity to resolve the issue. They took my email and phone number and promised to call back, but so far there isnt any response or follow up. I just sent in another email to request for investigation and close the fraud account.
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Equifax and XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2021-07-21
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. (TX)

I disputed a collection account to Equifax, the account continues to remain although my information was shared without my permission. My privacy was violated by XXXX XXXX XXXX, this must be removed immediately.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  - originally I got the mortgage XXXX XXXX and within 30 days they changed my company and within 60 days they reported to credit bureau I was late. I sent the payment to my first company, thinking they were gon na be holding my mortgage. I conitnue to make the payments to XXXX after I moved into the house and my credit score had dropped. I then found out they had reported me late and charged me late fees for everypayment after that. I disputed with the company and they told me to dispute it with the credit bureau and that they did not have it on their records that I was late. It is showing on my credit report that they did report me late. 
I already made a report the cfpb and XXXX reported that it was fixed in XX/XX/XXXX in their response. However as of XX/XX/XXXX it is still reflecting on my credit report.