davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank ( managing PayPal credit card ) has placed a fraudulent charge in my PayPal credit card. 
Have have been constantly harassing with phone calls asking to pay something I bought using my PayPal money that is in my PayPal account. 
They call me from the phone # XXXX XXXX XXXX demanding payment. 
I have spoke to them back in XXXX and XXXX XXXX and also this past XX/XX/21. 
When I requested to speak to a manager and confronted him about the fraudulent charges, he came up with the excuse that back in XX/XX/21, I had made some purchases from a XXXX online store named XXXX and the PayPal money account had requested their help. 
I told this manager that the credit card is not involved in any form or way in the mentioned purchase. I explained to him again that I paid with my PayPal money and that the purchase was returned to XXXX in XX/XX/21 because they falsely advertised the merchandise and sent me something I could not use. 
I asked this man to close the credit card PayPal account ( which I never asked for ). 
I want these crooks to stop bothering me and to remove any notice that may have added to my credit report.
Consumer complaint received 2021-12-19
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: EQUIFAX, INC. (TX)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2018-05-03
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: Convergent Resources, Inc. (IL)

I have had the same company ( XXXX XXXX XXXX, XXXX ) XXXX ) has created false accounts and reported them to my credit report 3 times, which has had negatively impacted my credit report. I have contacted the agency they would temporarily take it off my credit report and then reopen another account at later date. is there anyway to permanently block this company from adding false claims to my credit report?
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

Applying for mortgage, was told to pay XXXX dollars for good faith ( I thought it meant if I could pay ) so I gave it to them. So after talking to them I started to Have my kitchen updated place painted. Was told after appraisal we will have mortgage. Paid for house in XXXX in full no mortgage. Now Rocket Mortgage LLC, is not giving us mortgage because kitchen is in the middle of update, they need running water and counter tops. The sink the stove sitting right there. Countertops in about 2 weeks. Now we are stuck with this. The least they can do is give me my XXXX dollars back since they didnt know that they should of told us about not remodeling. If this is the new world we live in the banks just steal our money, have called repeatedly now they tell me the money is used for the appraisal they wanted, house was paid for {$280000.00} cash, and that is what appraisal came to XXXX.
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

Purchase a puppy online and made {$400.00} deposit via XXXX payment through my Jp Morgan Chase checking account. Turned out it's fraudulent sale. Contacted my bank to stop or reverse money payment but informed that they can not do anything. Tried calling XXXX but won't accept my call, instructions said to call my bank. I am being given a run around to cancel or reverse transferred money.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have repeatedly requested in writing that TransUnion remove XXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX XXXX  is not listed in the Nationwide Licensing System as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

XXXX XXXX XXXXXXXX  Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc (WA)

On XX/XX/XXXX and XX/XX/XXXX, Puget Sound Collections added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

VALIDATION AND CEASE AND DESIST Re : I.C. Systems Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # : XXXX Dear Sir or Madam : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX cc : FDCPA
Consumer complaint received 2021-02-19
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX and XX/XX/XXXX CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (VA)

I can not get U.S. Bank to remove me from their mailing list ( email offers ) for various accounts I have with them. I contacted them in XX/XX/2020 and subsequently followed their advice to make all of the proper settings on their website. The emails started again in XXXX and after a fairly worthless exchange of emails I followed their advice and called their customer service number. The agent was polite and responsive. After a modestly lengthy " hold '' period she told me she " thought '' the problem had been solved. Yesterday I received yet another email for the credit card ending " XXXX ''
Consumer complaint received 2021-07-29
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. (CT)

On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Hello, I am writing you guys today because my credit report has been used illegally. XXXX Bank Account number XXXX has violated my rights. 15 U.S.C 1681 section A. states that I have rights to privacy. Also 15 U.S.C 1681B states any consumer agency may furnish a consumer report under the following circumstance and no other : with the written instructions of the consumer to whom it relates. I did not give this company or any company my written instruction to report this account on my credit report.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (PA)

The company involved is XXXX on behalf of a mortgage through Agfirst the address for the company is XXXX XXXX XXXX, XXXX XXXXXXXX, VA. I had a mortgage on a home which I sold. I had requested a payoff statement that was good through XX/XX/XXXX. 

My attorney that closed the sale sent a check to the above address via USP overnight. The tracking number is # XXXX and it was delivered XX/XX/XXXX at XXXX by XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX , Va . 

A week after the delivery my attorney notified me that the check still had not cleared. 
I began making contact with XXXX and XXXX multiple times not getting anywhere. They stated they had not received the check or the package at all. 
I started a Complaint with them and the customer service rep said while my account was under " research '' that I would not have to make a payment or be charged any interest. 
My attorney and I had thought that this was resolved, until I got a notification that my credit score had dropped and was also being charged interest on my account for XXXX. When the account should have been paid off XX/XX/XXXX. I called my attorney and she said that she finally got through to someone by asking for their HR department and they finally said they had received the package but there was no check inside, which I believe is a lie. My attorney cancelled the check and agreed to wire them the money. So my account should be paid off now, however I want to get rid of the mark on my credit and I am refusing to pay that interest. I think this company is highly unprofessional and should not be handling these large sums of money.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (NV)

I was furloughed back in XXXX and haven't really had a need to use my standard bank account at bank of the west due to unemployment benefits being on prepaid government card. I am just getting back to work next week and wanted to set up my direct deposit to find out they charged me {$270.00} in overdraft fees even though I don't have any transactions that put the account into the negative whatsoever to make those fees valid. When I called they said the account has been sent to collections and there's nothing they can do. I don't want this to affect me trying to purchase a home and a charged off bank account is as serious as it gets.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Take this seriously and read it carefully - as this complaint is not sent in error. My credit report has false information that are not assured to be the maximum possible accuracy. This inaccurate information is causing undue stress and is affecting me negatively in all aspects of my life.
Consumer complaint received 2020-12-29
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: Nelnet, Inc. (AR)

After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed
Consumer complaint received 2021-10-12
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: DISCOVER BANK (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-12-29
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. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/2020, purchase for XXXX XXXX XXXX XXXX XXXX XXXX, totaling XXXX.after order cancelled, seller XXXX XXXX  many weeks later, coins were fake.second dispute order for XXXX XXXX totaling XXXX on XX/XX/2020, coins were also fake.sudmited claim to credit card company.send pictures with coins weight.after refuse claim.they insisted on get paid.I even call XXXX FBI office and report fake usa coins.sellers return shipping address were also invalid.they have ruin my credit reputation.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CT)

On XXXX XXXX I had a transaction on my account from XXXX. It said that I purchased an egift card for {$220.00} that I did not authorize. I called KeyBank, and they told me that I would have to call XXXX. So that was what I did, and XXXX said that they would file a dispute, and that I can call back between 10 and 14 days. So I called back and XXXX told me I would have to call my bank, which is KeyBank. I've been trying to call them and I get no answer. When I call them, I'm usually on hold for over an hour, and no one from the dispute department picks up, for me to file a dispute then the call will drop and I have to start all over again. This has been going on for over a week now with no change.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (WA)

I capitalized ( Authorized ) my Gemini Trading Account ( https : //www.gemini.com/ ) on XXXX in the amount of XXXX and then added XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ) for a total of XXXX from my XXXX  XXXX XXXX Checking Account XXXX 
They further took ( Unauthorized ) XXXX ( XXXX ), XXXX ( XXXX, XXXX ( XXXX ) from my XXXX XXXX XXXX Checking Account. 
All Transfers ( Funds ) went to the Following Gemini Account ( GEMINI TRUST CO ACH TXFER ). 
The second series of ( Unauthorized ) transfers were NOT credited to my Gemini Trading Account. I called their number and asked for an explanation ( Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA ) ; ( https : //support.gemini.com/hc/en-us/articles/204732835-Contact-us ). 
They declined to accept responsibility for the additional transactions and Closed ( Unauthorized ) my Gemini Trading Account which had XXXX in it as well. They had a total of XXXX of my money and refused to refund it or even speak to me about it. I have tried on several occasions to access my account, communicate with Gemini directly and they have refused to speak to me about my missing money, the closed account ( Unauthorized ) or refunding the XXXX in total that they have taken illegally from me. 

XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct # XXXX Office # XXXX ( Victim ) XXXX XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( Thief ) Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ;
Consumer complaint received 2020-12-28
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. (CT)

XXXX account # XXXX open date XX/XX/XXXX amount XXXX I called XXXX also file an FTC report and they told me that they no longer have that info FCPA section 807 violation misleading false reporting and like this removed account # XXXX XXXX XXXX open date XX/XX/XXXX, amount {$130.00} this account is also fraud and did an FTC REPORT XXXX XXXX XXXX account # XXXX amount {$7300.00} open date XX/XX/XXXX, this account is not mine as well as the others
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I used to think the economy was bad, but after seeing my credit report, its clear whats really worse the errors that are tanking my credit score. It's beyond frustrating to deal with all this incorrect information, and its causing me serious stress. As a consumer, I have the right to an accurate report, but instead, I'm stuck in this mess. Its ironic, too, because Id probably need therapy for the stress, but I couldnt even pay for it since my cards would get declined thanks to these wrong details on my report.
Consumer complaint received 2021-03-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I haven't been able to use my credit card during the Covid-19 pandemic. I found out today that Citi bank closed my account with no notice for non-use. I called and was told I had been informed but I never received the letter they claim they sent. My intent was to use the card for specific purchases made outside the home but since I've only been social distancing at home and the locations I want to use the card at are closed for the pandemic I haven't had an opportunity to use the card. Also, since Citi closed my account all my rewards points I had accumulated are gone. Citi says there's nothing they can do ... but they caused this to begin with.