davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (WA)

Purchased XXXX XXXX XXXX XXXX from XXXX XX/XX/2018 for charges to XXXX Credit Card : {$60.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018. 
These amounts were initially charged to my XXXX Credit on XX/XX/2018, respectively, and on XX/XX/2018, for remaining four equal charges. 
These amounts were refunded directly by XXXX XXXX not the creidt card ) to my XXXX  XXXX   account on XX/XX/2018 for the first charge, and XX/XX/2018 for remaining four equal charges. 

XXXXXXXX XXXX has received these refunds, however the charges were not deducted from my XXXX XXXX  account, not crediting them back to the merchant, XXXX, as I requested numerous times. As well, I requested an itemized statement be sent to me via XXXX mail of what was done with the refunds received by XXXX XXXX, via phone requests, as well as a faxed request on XX/XX/2018, as I was directed by the XXXX, XXXX XXXX, to do ( fax # XXXX ) in order to receive my request via XXXX mail. 
I have Not received the requested itemized statement via XXXX mail. As well, XXXX XXXX has not removed these charges from my XXXX XXXX account and has in fact moved them to be paid by XX/XX/2018 as a promotional purchase. 

I am paying my XXXX Credit Card for the purchase of this item and XXXXl XXXX  is still charging me for the item as well. XXXXXXXX XXXX  has not applied the refund back to the merchant, XXXX, from which the purchase was made as requested.
Consumer complaint received 2018-09-17
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. (NY)

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.
Consumer complaint received 2018-09-17
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. (NY)

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account with XXXX XXXX XXXX  account # XXXX This account should no longer be reporting on my credit report. It is past the six years nine month mark since I was late. I also noticed that each bureau is reporting a different month for the item to come off. Who isn't doing a proper investigation and making sure only accurate and timely information is reporting.
Consumer complaint received 2018-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (FL)

I received a letter from a company called XXXX XXXX XXXX XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by JH Portfolio Debt Equities saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX XXXX. I was told there was no record. I have since learned from XXXX XXXX that JH Portfolio Debt Equities called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from JH Portfolio Debt Equities and confirmed this account had been settled. Now I receive additional mail from JH Portfolio Debt Equities informing that I still owe {$240.00}. That most recent correspondence from JH Portfolio was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a zero amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact JH Portfolio Debt Equities as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (IL)

Hello, My auto loan is currently past due. Have attempted to pay the outstanding balance, but each time my debit card has declined. In talking with my bank, will receive a new debit card, but since not a traditional bank ( XXXX XXXX ) have to wait. Contacted Bridgecrest on Saturday, because received an email on Friday that my payment didn't go through. Attempted with a rep named XXXX to make payment with my debit card and again it was declined. Explained the situation to her and she placed me on hold and said that the manager said " I was attempting to buy time ''. Why would I try to make good on my account if was trying to buy time? That comment was an insult. Furthermore, she wouldn't allow my co-signer who is a XXXX vet and only gets payment once a month to set up arrangements. I have had this loan since XX/XX/XXXX, the last payment on my account was on XX/XX/XXXX in the amount of XXXX. I want to be able to make a payment arrangement on my account to bring it current.
Consumer complaint received 2018-09-17
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. (IL)

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I use the XXXX XXXX which works by connecting to my credit cards. XXXX works by seting aside my spare change From credit card charges as I go about my day with Round-Ups to the neareast dollar of all credit charges I make. Its been a super easy way for my family to save money and we are now up to a little over {$3000.00} dollars in just over a year which is hugely helpful to my family. 

This week I was notified that my XXXX XXXX MasterCard membership card will no longer allow external accounts like XXXX to connect to my account. I think I should be the one who decides who has access or who can externally connect to my credit card accounts. By XXXX XXXX  no longer allowing me to conect my XXXX XXXX MasterCard credit card which I want to once again connect with XXXX my family will be severely hurt. 

Again XXXX is critical savings tool to my family, so Im asking you to demand that XXXX XXXX once again allow me to externally connect my XXXX XXXX Credit card to external accounts and especially XXXX. 

Sincerely, XXXX XXXX.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

EXPERIAN RE : BANKRUPTCY DISMISSAL I HAVE BEEN DISPUTING A CHAPTER XXXX DISMISSED CASE WITH EXPERIAN FOR 3 YEARS. MY CHAPTER XXXX WAS DISMISSED BY NO FAULT OF MINE. BUT BY THE JUDGE ( SEE ATTACHED IN MY EXPERIAN FILE ) I SUBMITTED LAST MONTH. THE JUDGE DISMISSED DUE TO INACCURATE AND TIMELY FILING OF PAPERWORK FROM THE ATTORNEY XXXX XXXX. AND HE DISMISSED MY CASE BEFORE THE HEARING. AND REFUNDED ME ALL MY MONIES I SUBMITTED COPIES THRU CFB COMPLAINT LAST MONTH EXPERIAN SHOULD HAVE THE COPIES IN MY FILE. HOWEVER EXPERIAN STATES IT STILL HAS TO REMAIN ON MY CREDIT FOR THE DESIGNATED TIME PERIOD I AM REQUESTING THAT SINCE THIS BANKRUPTCY WAS DISMISSED AND NO HEARING TOOK PLACE THAT EXPERIAN DO THE FOLLOWING SINCE THEY WANT REMOVE. 

ADD A AMMENDUM ON MY CREDIT FILE STATING ( BANKRUPTCY NEVER TOOK PLACE )
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Over the course of 14 years, Wells Fargo caused financial harm to my family and I by aggressively inflating mortgage insurance, cutting a side deal with insurance carriers, and over charging my account for lender placed mortgage insurance and fees. The market place value for the insurance coverage is significantly less than what I paid while the coverage is skimpy. Additionally, the lender entered into a settlement for their egregious unlaw practice and failed to include my family and I in the settlement.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Conn's, Inc. (TX)

XXXX has been non-compliant with removing the unverified account CONN CREDIT CORP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONN CREDIT CORP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX to remove incorrect information off my credit report. More importantly, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2018-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, XXXX and Transunion.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.
Consumer complaint received 2018-09-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

Somewhere XXXX & XX/XX/2018 I called XXXX XXXX to Place a complaint due to they report me delinquent on my credit report when I was never late my payments were made thru a 3rd party company from the dealership I made all payments and I have proof I disputed on credit report look like it was ok. I was denied a promotion due my credit was low due to fraudulent being reported and my credit card companies were now lower credit limits as I was be seen as risk when I pay my bills on time now this has cause undo stress financial loss of income as well as my credit taking a big hit. I consult with attorney whom told to try and handle it before doing intent to sue now it's doing the same thing again as its providing from getting new apartment and the embarrassment that comes along with this illegal reporting wrongful information.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (HI)

Copy of letter to US Bank Home Mortgage : Dear US Bank representative : I received your letter of XXXX of XX/XX/2018. 
My home is located in a government declared disaster area due to lava eruption in Hawaii. 
Through multiple phone calls in discussions with US bank home mortgage representatives I have been informed that my mortgage is in " forbearance '' status. I was informed by US Bank representatives that for a period of 90 days US bank would NOT report anything to the credit bureaus and all late fees would be waived. You are clearly aware of this forbearance situation as you quoted reference to my Relationship Manager in the letter. 
In this letter dated XXXX of XX/XX/2018 you state that you " may report information about this account to credit bureaus ''. This is in direct contradiction to everything I have been told by US bank home mortgage representatives. You further state that " failure to remit payment by the late charge date will result in a late fee assessment ''. This is also in complete contradiction to what I have been told by multiple US bank mortgage representatives and my relationship manager, XXXX XXXX. 
Do verify immediately, in writing, that my account is in forbearance status as quoted to me by multiple representatives and my Relationship Manager. Also verify in writing that you will not make reports to the credit bureaus and late charges will not be charged as stated during the forbearance period of 90 days. 
Understandably, during this disaster situation there are significant issues to be dealt with daily. The last thing we as mortgagees need is for the bank to send false and inaccurate information in direct contradiction to what we have been quoted on the phone. 
Do verify, in writing, the status of my account and the specifics of the forbearance process including reporting to credit agencies. 
I highly recommended that US Bank coordinate mailings and statements to clearly indicate the forbearance status of the account. Letters such as XXXX XX/XX/2018 letters should be sent by a mortgagee 's Relationship Manager with accurate and current information. 
Also, in conversation with US Bank customer service representative XXXX on XXXX of XXXX XXXX XXXX HST, recorded, XXXX stated that she would discontinue my automatic monthly payment drafts from my credit union. In conversation with US Bank representative XXXX on XX/XX/2018 the representative verified that the stop payment request had been placed on my account. 
In spite of these two assurances by US Bank representatives, U.S. Bank attempted to draft the mortgage payment. Verified in the enclosed letter from US bank dated XXXX XX/XX/2018. Verification of the {$40.00} in fees from my credit union for the attempted drafts by US Bank are enclosed. Do immediately reimburse me {$40.00} for these fees. A check should be sent to me at my address below. 
Your prompt attention to this matter is expected and appreciated.
Consumer complaint received 2018-08-06
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. (IL)

XX/XX/18-I scheduled a one-time payment on comenity.net.boscovs to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (AZ)

This is a complaint from XXXX XXXX against Client Services for Client Servicess failure to provide requested information for the debt alleged. On XX/XX/18, consumer received a demand letter from Client Services. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2018-09-16
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)

Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following items off my credit report/file : Account # XXXX XXXX XXXX XXXX ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS. I have previously submitted disputes with Equifax along with the necessary FTC and law enforcement reports necessary to block these items from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other Consumer Reporting Agencies have completed their investigations and have removed these items which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.