davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NM)

I am contacting your agency in hopes you can help me with some charges on my Walmart Mastercard ( Synchrony credit card ). I would like to dispute all charges made by XXXX aka XXXX Web Stories LLC. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. Which I paid {$5000.00} on my Synchrony card. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized XXXX times and was sent to several XXXX and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done.These companies prey I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2016 I disputed inquiries on my credit report. TransUnion sent me an updated credit file dated XX/XX/2016 with XXXX inquiries still reporting that I disputed. I have not given permission to XXXX XXXX XXXX XXXX, or XXXX to pull my credit report and I do n't know what procedures were used to get my report. As of today XX/XX/2016 the inquiries are still being reported.
Consumer complaint received 2017-07-10
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. (TX)

I 've mailed Equifax validation letters for them to validate the information Equifax yet has provided me with anything. I 've called Equifax to to discuss the matter as Equifax has not did anything. There are accounts that were disputed and closed on all three credit reports and Equifax had not deleted the accounts. The collection agencies have closed the accounts. There are accounts that were closed in XX/XX/XXXX up until now Equifax has not deleted and updated the accounts.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (GA)

On XX/XX/XXXX 2017, I called syndicated office systems to payoff all medical bills. One was for a {$100.00}, then another one for {$90.00}. But when I told her about the one for {$80.00} she told me she had no record of it, and if I wo n't it off my credit report I must Dispute it. I ca n't dispute it without a account number, and ca n't pay it. Because it 's not on there system.
Consumer complaint received 2016-11-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (FL)

GM Financial has a fraudulent account in my name. They 're refusing to remove it from my credit report after I 've provided them with my identity theft report and identity theft affidavit. I did not open this account or apply for it. I am a victim of identity theft.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX initiated XXXX & XXXX were paid in full when I sold my home, not due to any bankruptcy. I have emails and letters proving XXXX engaged in fraud to try to force me into foreclosure in attempt to steal my equity. They lied repeatedly played dangerous games and intentionally harassed me with false statements and fraudulent actions knowing I was extremely ill. They Intentionally Inflicted XXXX. They have no business putting anything on my report they should be under investigation for fraud. 
XXXX XXXX, XXXX : XXXX XXXX XXXX and XXXX purposefully chose to not file a payoff of the loan I had with them. I had to write Senator XXXX XXXX and pressure them a lot to get XXXX to finally file the papers with XXXX XXXX. They did so with great resistance and resentment on their part. I have letters and other proof of their fraud. I complained to FTC as well but like many of the fraudsters during the Great Recession they got off with no punishment. Only consumers were punished. 

I devoted myself to lifetime of ethical service and was like many others grossly abused by the financial industry. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in particular. 

I have many letters, emails and other documents proving their crimes. I complained to many agencies and individuals in power. Wasted precious time and energy when I was extremely ill. During the time of the Great Recession nothing was ever done to punish the financial industry criminals. Do n't expect anything to be done now. At least have the decency to remove the false derogatory comments off my credit reports.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

My credit report shows an item that was previously removed and then re-inserted. The FCRA states that the bureau must send a letter to the consumer within 5 days of a re-insertion, they have not. 

On XX/XX/XXXX I requested validation from XXXX via certified mail tracking # XXXX sent to the address that they reported on my credit at XXXX, IL XXXX. The letter was returned as undeliverable, they were using an invalid, bogus address making it impossible to get a response to my validation request. As such I disputed the item with the credit bureaus on XX/XX/XXXX and sent them proof of the " undelivered mail ''. The item was removed but later reinserted. 

XXXX # XXXX was no longer reporting on my credit report on XX/XX/XXXX under report # XXXX and it was reinserted on my credit on XX/XX/XXXX. 

I notified Experian via certified mail of the reinsertion on XX/XX/XXXX, see attached copy of my letter. 

They have clearly failed to follow the procedures as outlined by the FCRA. Furthermore, this item continues to report on my file for months now when it was removed nearly 12 months ago. This is very damaging to my credit. 

I 've been writing letters to both XXXX collection and to the XXXX credit reporting agencies. Furthermore, I also sent a letter to the " Registered Agent '' of XXXX to XXXX to a different address as listed on the corporate records. He was in receipt of my letter on XX/XX/XXXX, to date I 've received no response from him and it 's been over 6 months. 

It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

A normal consumer does n't have the means, time or energy to file a lawsuit against them, but according to the FCRA/FDCPA procedures they 've failed, there are multiple violations and should be sued. Please remove this listing from my file immediately.
Consumer complaint received 2024-11-25
Product: Credit reporting 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. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

- I Got a Experian Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent Experian a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as Collection Agency XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from Experian to Collection Agency XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Collection Agency XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to Experian with a copy my Debt Validation/Dispute letter to Collection Agency XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the Collection Agency receipt of the Debt Validation/Dispute. 

- Experian received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the Collection Agency XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this Collection Agency XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

With regard to the XXXX XXXX XXXX, I secured confirmation that my tax lien with IRS was satisfied in XXXX. I disputed the lien report with Equifax in XXXX XXXX and again shortly thereafter as they claimed not to have proper identification information. I requested that the tax lien for {$9100.00} in the Public Record section of my Equifax Credit Report be removed and provided a copy of the Certificate of Release of Federal Tax Lien. Equifax will not remove the lien entry from my credit record. I would appreciate your assistance.
Consumer complaint received 2016-11-13
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

This is an incredibly long story that I am happy to share in full via telephone, but due to cognitive disorders typing is a very long process for me. Basically, I sold an item on Ebay ( eBay item # XXXX ) last month ( XXXX XXXX, 2016 ), Ebay said the item was paid for the next day, so I shipped it, but never received the money via Paypal, which was how the funds were supposed to be transferred. The money was transferred from Paypal back to the buyer, who was refunded in full. Paypal and Ebay, after numerous phone calls to both companies, both refuse to help me by claiming it is entirely the other company 's fault and there is nothing they can do. In my last call with paypal, a senior manager suggested i simply chalk up my loss as the cost of doing business ; in my last call with Ebay just now, they said I should file an internet fraud cast against the buyer! While this lack of payment is in no way the buyer 's fault, the buyer has ceased responding to me as of a couple weeks ago, which means I can no longer resolve this matter seller-to-buyer directly. What do I do? Please help me.
Consumer complaint received 2016-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OR)

I signed up with XXXX XXXX XXXX for internet & TV service in XXXX, Oregon. My bill was never correct despite many calls to customer service. I finally gave up. I cancelled my service, disconnected it, and made payment for my final months of service at the rate I originally contracted. 

With my final payment I included a letter detailing the problem, my calculations, and that this was a final payment for the unpaid portion of my account at the contracted rate. XXXX accepted the check in XXXX 2015 and never commented on my letter. 

In XXXX I was contacted by Convergent Outsourcing, a debt collection service working on behalf of XXXX. I disputed the charge, which Convergent " verified '' by providing a copy of a XXXX bill. I sent Convergent a cease and desist letter along with proof that the debt was invalid -- which was a copy of the final letter I had sent to XXXX and a copy of the check. 

Convergent contacted me again on XXXX XXXX, ignoring my cease and desist letter, with an identical " we 've verified this debt is valid '' letter. 

XXXX 's billing practices are predatory and Convergent Outsourcing, its debt collection service, ignores proof that the debt they are trying to collect is invalid and ignores consumer demands to break off contact. 

Please help!
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.
Consumer complaint received 2016-07-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AR)

We refinanced our home loan to an interest rate reduction refinance VA loan ( XXXX ) in XXXX, XXXX. Our loan was serviced by XXXX until XXXX of XXXX when it was sold to Roundpoint Mortgage. Our interest rate is adjustable after 5 years, fixed until then. We live in Arkansas where we are qualified for a {$350.00} homestead deduction in our real estate taxes after we have lived in the state for a year. We requested a new escrow analysis due to the break we received from Arkansas. While our insurance increased a little, we should have seen a drop in our payment as our interest rate is the same. Instead of that our payment was raised by over {$100.00} a month. I have called repeatedly since XXXX to get this problem solved. Not only did the servicing person figure the timing wrong for payment of our taxes, they used the figure which included our personal property tax for their analysis. I 've been assured that they will fix this problem several times, that it was sent to a supervisor, etc. Prior to the first of XXXX, when the new payment was to go into effect, I told them I was paying the old payment amount. My call today produced the news that my payment is hung up because it was short and that all the person could do was reopen the escrow analysis ( start over again ). I asked to speak to a supervisor and was on hold so long I asked that a message be given to a supervisor to call me back. I am including a copy of our tax statement which shows the homestead reduction, the due date for payment and the total with the personal property taxes included. We really would appreciate help with this. We are retired and an additional {$100.00} per month is a hardship for us, especially when it does n't make sense. XXXX
Consumer complaint received 2016-09-11
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

A Representative of ARA continues to call & harass me over a time-barred debt with XXXX XXXX XXXX. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Arkansas State apparently initiated a tax lien against me for tax year XX/XX/XXXX. I was told by two government officials that since I filed my taxes from an Arkansas address inXX/XX/XXXX, they assumed I owed Arkansas tax for XX/XX/XXXX but I did n't live nor work in Arkansas in XX/XX/XXXX. I wrote the governor and got notice that the lien was released but it 's still on my credit report, making my score in the " poor '' range.
<P/>
I disputed it with one of the credit reporting agencies but they said it was being reported correctly so they could not remove it.
<P/>
I never owed the tax so the entry should be vacated, removed from my credit report.
<P/>
I contacted XXXX  County ( Arkansas ) and they said I had to contact the State. I contacted the State and they said they are not the ones to remove it. I have no idea how to get this removed.
<P/> XXXX County Court {$8200.00}. Filed XX/XX/XXXX, Released XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX.
<P/>
Bad enough they took 5 years to actually report it making it harder to document the issue. The IRS has my XXXX and can plainly see I did n't work in Arkansas. How does one prove one did NOT live somewhere? Like I can get a copy of my lease from ( now ) 10 years ago?
<P/>
I want to buy a house but it 's impossible with this incorrect tax lien on my credit report.
Consumer complaint received 2016-04-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

Crummy SETERUS mortgage servicer non-responsive to my inquiry into the h.a.m.p. incentive payment of {$5000.00} dollars. It has been over 5 weeks ( XX/XX/XXXX ) since they made the claim that it would be processed and paid out in a few weeks. The representative XXXX XXXX in her letter stated that if I have any questions to contact her directly. Have yet to get any response from her have left XXXX messages. This is the typical XXXX this XXXX company uses to delay and obscure their responsibility to address customer concerns. AS of XX/XX/XXXX I have yet to receive the funds or followup reply in this matter. Apparently they prefer to LIE and DELAY this payout in order to profit from the interest they gather from the {$5000.00} dollars. Never have I dealt with such a DISHONEST and LYING company in my XXXX years. They had the nerve to state " We strive to provide excellent service at all times and regret that we fell short in this instance. '' XXXX They failed at proper customer service XXXX % of the time since XX/XX/XXXX. AS if it was only once. What a XXXX lie. How is it this company is not fined for their deception and lies?
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Modern Adjustment Bureau (CA)

HAD A ITEM ON MY CREDIT REPORT SO I CALLED THE COLLECTION AGENCY THAT REPORTED IT. IT WAS MODERN ADJUSTMENT BUREAU LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. I CALLED THEM SEVERAL WEEKS AGO AT XXXX AS I WANTED TO KNOW WHAT THIS WAS ALL ABOUT. I HAD THE DISPLEASURE TO TALK TO A RUDE AND ARROGANT WOMAN SAID HER NAME WAS XXXX, WOULD NOT GIVE HER LAST NAME. I WAS DISPUTING THIS BILL AS MY COMPANY OPENED UP THE CHECKING ACCOUNT AND MY NAME WAS ON IT, BUT APPARENTLY THE ACCOUNT BECAME OVER DRAWN, WHEN I ASKED FOR DOCUMENTATION ON THIS BANK ACCOUNT SHE WENT INTO A PUSHY AND THREATENING DEMEANOR, SHE WENT ON TO SAY " WHEN THIS GOES TO COURT THIS WILL COST THOUSANDS OF DOLLARS FOR YOU LATER ON '' " YOU SHOULD TAKE CARE OF IT NOW AND DISPUTE IT LATER '' SHE MADE IT SOUND LIKE A {$1300.00} BILL WOULD BE RAISED TO {$5000.00} WHICH IS DECEPTIVE COLLECTION TACTICS. I NEVER RECEIVED THE DOCUMENTS, BIG SUPRISE. ARE THEY NOT SUPPOSED TO GIVE ME A HEADS UP ON WHO I AM CALLING AND THAT THEY ARE TRYING TO COLLECT A DEBT ETC, SHE JUST WENT INTO HER GANGSTER ROUTINE TRYING TO SCARE ME INTO PAYING THE BILL DISMISSING ANYTHING I HAD TO SAY. 
I HANG UP ON HER CAUSE IT WAS LIKE TALKING TO A BRICK WALL.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

On going saga. Insufficient funds in my checking account due to increase in my tax escrow created runaway train with Wells Fargo. Went to the bank to resolve the problem,, deposited the monies to cover the insufficient month of XXXX and also deposited XXXX 's payment to cover that month as well as that was coming due. Was told account was brought up to date and all was well. The bank representative failed to tell me that Wells Fargo closed out my auto pay connected to my checking account and ... XXXX what she should have advised me at that moment was to just " make the payment '' as depositing it would be futile ( not sure why they shut my auto pay down, seems NOT what you want to do if you are trying to obtain a payment ) they had no explanation. Anyway because of the banks failure to service my loan correctly and inform me of the shut down, I have received late penalties and they have reported me to the credit bureau reducing my credit score by XXXX points I have a thirty year mortgage history with no late payments. ... until Wells Fargo ruined it. This was an internal mistake on their end and they need to reverse it and thus far have refused to correct their mistake. I am willing to pay the penalties, but the credit score thing is very upsetting. They need to own up to the fact that they did NOT notify or inform me of the close down of the auto pay at the branch, and additionally a disclosure informing me of this was rec 'd by me the XXXX of the month ( XXXX ) when I expected withdrawal to occur on the XXXX, ( 10 days after ) as that is how my mortgage is set up with them. This bank is an on going nightmare. So frustrating .... Classic case of insult to injury.