davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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. (MD)

A debt posted to my credit report by XXXX in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter. Upon further investigation, I realized this was a debt I disputed with the same company years ago. They could not provide proof and removed it off my credit report. It is unbelievable that they would dare post the same debt twice without fear of repercussions. I disputed the debt with the collection company via the CFPB platform who responded on here that they could not find my name in their system. But their address and phone number is what is posted on my credit report.
Consumer complaint received 2024-08-30
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. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX  Inquiry Date : XX/XX/year> Account Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/year> Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>, Has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I called my servicer ( Ameris Bank ) on XXXX separate occasions to inquire about tax penalties that were included in my escrow analysis. The first representative told me the penalties were due to not setting up an escrow account when the loan was established. From the attached document ( Opt in - Escrow - Loan Closing Disclosures ), it is evident that I opted into an escrow account and that the error was on Ameris Bank. She then explained that they would be advancing payments of {$440.00} for the next 12 months to cover the shortage beginning XX/XX/XXXX. She advised me to file a claim, as did the other XXXX representatives. They advised emailing " XXXX ''. I sent XXXX separate emails and have still yet to get an answer. Additionally, the escrow balance and escrow amount beginning XX/XX/XXXX does not reconcile. ( See columns XXXX and XXXX in the " Account history '' attached ). I still do not have an answer as to why the calculation is incorrect. It is clear that Ameris Bank did not pay XXXX XXXX on time and are now attempting to pass the late fees onto me.
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my creditXX/XX/2016. I am not aware of where it came from or who used my information. Since XX/XX/2016, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

Synchrony refuses to allow me to update my address and I've revoked my consent for electronic disclosures. 

On a call that occurred on XXXX - I revoked consent to electronic disclosure. 

Paypal and Synchrony are discriminating against me because I'm an unmarried XXXX male. During the call the fraud person stated that he needed to speak w/ my spouse to update the address. I'm not married. This is not acceptable.
Consumer complaint received 2020-04-04
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. (WI)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (ND)

I sent in a large auto payment and Wells Fargo received the check on XX/XX/XXXX. They did not apply this payment to my loan and it is XX/XX/XXXX. They have taken the funds from my account on XX/XX/XXXX. I called to remedy and they said that is how it works, they take customer funds first then apply the payments, especially when it is a large amount. They now are telling me it will take 48 hours to research this. 
I submitted a complaint to the executive office and they told me it will take 10 days to resolve my complaint. 

This is not right, I should have seen my payment on XX/XX/XXXX.
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 
I purchased a new XXXX XXXX XXXX in XX/XX/XXXX. I financed through Hyundai to take advantage of an additional {$1000.00} off the price. To satisfy the terms I needed to make 5 payments and then refinance. I made the 5th payment in XX/XX/XXXX and sought financing through XXXX XXXX XXXX XXXX. Hyundai received the 10-day payoff amount in full on the XXXX of XXXX. Sadly, Hyundai processed an additional payment from my checking account. Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 

Ive called Hyundai Finance customer service beginning XXXX XX/XX/XXXX to get this action corrected. Most recently today, XXXX XXXX, I spoke with XXXX who stated he added to XXXX XXXX complaint and advised me to call back in 5 - 7 business days and call later in the day. On XXXX XXXX, XXXX, Supervisor, assured me that the refund would be processed and that I would receive payment by XXXX XX/XX/XXXX. No payment has been received. XXXX was not the first to assure of this, many before him failed as well. Hyundai has not provided in writing satisfaction of loan payoff and the excess amount owed. These facts have been shared a dozen different times with different named persons answering at Hyundai Financial ( XXXX, XXXX, etc ). 
The loan number was : XXXX Payoff was from XXXX XXXX XXXX XXXX for the stated 10-day payoff of {$18000.00}. After 180 days it is time to provide this overpayment Refund,  {$380.00} to me at the address on file.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I recently was made aware that there was a balance on my Citibank Mastercard. I called and paid off the account on XX/XX/2020 with the understanding that this would end the negative reporting to my credit report files as required by the fair credit reporting act law. Citibank continues to report negative reports to the credit bureaus about this account even though l paid this account off. I spoke with manager XXXX # XXXX ( XXXX ) on XX/XX/2020 to try and resolve this issue but he refused to listen to reason or accept that I have the receipt showing that the account was paid off on XX/XX/2020. Furthermore, XXXX insisted that even though I paid off the account, Citi bank had the right to continue to submit negative reports to the 3 credit bureaus about this account that I paid off. This is a direct violation of the Fair Credit Reporting Act. I am really bothered by Citibank 's unethical practices and want this matter resolved ASAP!
Consumer complaint received 2020-08-27
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 (NY)

1 ) My family booked a trip to trip to XXXX and XXXX from XX/XX/20 to XX/XX/20. It was at a beautiful XXXX XXXX that I have stayed at before. 
2 ) I purchased this trip with a {$500.00} deposit and a {$6800.00} final payment for a total of {$7300.00}. 
3 ) The resort closed down due to Covid and I was unable to travel. Note I did not cancel the trip, the resort closed. I have submitted proof of their closing down. 
4 ) XXXX would not respond to my emails or phone calls, ( see attached ). When I did not get a reply, I disputed the charge with my Discover Card. 
5 ) I initially received a temporary credit, but then Discover said they found in the merchants favor. My calls to Discover card have fallen on deaf ears. I tried to explain to them, that I did not cancel the trip and I wanted to go on the trip. 

This situation is almost comical, how can I be charged by a merchant who canceled on me??? 

Please help. {$7300.00} is a lot of money. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-27
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. (IL)

On XX/XX/XXXX of this year I sent letters to XXXX, Equifax and XXXX to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MS)

My credit card information was used to charge XXXX + XXXX = XXXX on or around XX/XX/2020 by a guy name XXXX XXXX. i did not authorize these charges
Consumer complaint received 2020-08-27
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. (TX)

I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX XXXX. and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. XXXX of the incident numbers is XXXX. There have been over {$16000.00} in charges by SeeSawUSA.com on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX  XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

Paypal/Sync bank have suddenly ( XXXX ) claimed I opened a Paypal account back in XXXX and there were a couple of charges in XXXX. I never opened Paypal. I do not like them and refuse to use them in general. However, when they send me bills and emails, I call the fraud dept and they still state that this is my account with no proof. I am XXXX and they are creating great anxiety for me. 
This has been going on for a year now. Here is their number if needed : Synchrony XXXX Paypal:XXXX Please help.
Consumer complaint received 2020-08-27
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX of 2020 I purchased a workout bench and ( 2 ) 90lb dumbbells from a site XXXX 

The price was very good, then started to think maybe it was too good of a price and I started to get worried. 

I received the order number XXXX confirmation email and being that I used XXXX to pay, using my credit card number I received that receipt as well. Both, showed my correct mailing address. 

XX/XX/XXXX. I emailed them asking when the soonest I can receive the item since I paid the extra expedited shipping. No answer. 
XX/XX/XXXX I email them to ask when it will be shipped and when I can expect it. No answer. 
XX/XX/XXXX I email again and state if I do not hear back on shipping details or some kind of communication that I would contact my credit card company and treat it as fraud. Again, no answer. 

I reached out to my credit card company. They issued a fraud claim and said they would look into it. In may time frame I was notified that they were in communication with the seller that that they showed proof of delivery.

The proof given was a USPS delivery notification of 1 package delivered to a mailbox in a town and hour away from me. That should have been enough to show it was not delivered. Wrong address and fitting a workout bench and ( 2 ) 90lb dumbbells in a mailbox. 
I disputed their resolution and mailed them the 3 unanswered emails and the XXXX receipt with correct address and receipt from my order, that shows the correct address. 

Chase credit cards supposedly looked into it again and determined their initial findings stand ; meaning they are treating it as non fraud and that it was delivered. 

So, If they had looked they would have seen it was the wrong address and a workout bench and dumbbells were delivered in a mailbox. Addtionally, the site I bought it from is now defunct and shutdown ; having just disappeared. I told chase this as well. 

The letter I received from chase states that per this resolution, they will no longer accept anymore correspondence on this matter. 

They amount of the purchase is {$180.00}. I chose Chase Credit cards, because of their fraud prevention. They did not protect me  and seems like they did not actually look into the matter as common sense would show this is blatant fraud from XXXX, per the receipt I received in part XXXX. I need your help to escalate to someone at Chase who has the common sense and authority to look at this again. You would think Chase would have looked into this and to protect its consumer. It appears they did not look into the matter, due to the blatant signs of fraud.
Consumer complaint received 2024-08-30
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. (WA)

This is XXXX XXXX, and I am directly submitting this complaint with no external parties involved. I have included letters that describe in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported by Transunion, XXXX, and XXXX.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

On XX/XX/2020, I wrote this company in dispute of this debt. I had not realized they had been reporting this account on my credit for years now. I recently was denied for a rental application and was told I had an eviction on my credit. I contacted this company and they sent me some computer generated printout without providing a copy of the lease. 
I wrote them a second time and they received this letter on XX/XX/2020 and they did not reply to my letter where I again asked them for a copy of the lease bearing my signature since they claim I owe this debt. They did not furnish any proof, nor replied to my second letter. 
Again, I wrote them on XX/XX/2020 and again, they completely ignored my letter even though they signed all three times validating receipt of my letters. They are refusing to delete this account from my credit, which is damaging my credit and keeping me from relocating. 
My wife suffers from an illness in which we need to relocate in order to get her the medical attention she needs and due to these people lying on my credit report, it is hindering us from moving forward. We are in great distress due to Carter-Young , Inc . This is clear defamation of character and a violation of the FDCPA, and prior to seeking legal assistance, which would be {$1000.00} per fine, which I intend to file a complaint in small claims court if they do not remove this debt ; I thought I would file a complaint with you first before moving forward.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (AZ)

My student loans were included in my bankruptcy discharge in XX/XX/XXXX. I made Great Lakes aware of the incorrect reporting in XX/XX/XXXX, and I was given the instruction to fax over my discharge paperwork and that it would be corrected. I faxed over the documents. When I started getting collections calls, in XX/XX/XXXX I called and was instructed to email my documents to an unsecured email and it would be looked at. I sent the email, no response. Again, collections calls started in XX/XX/XXXX, and so I called in requesting a supervisor, explained my situation and was told that they never received the documents. The supervisor XXXX then proceeded to tell me how they only had one document from me and when she explained what the document said and my correction of her understanding of what that document was, I emailed my discharge paperwork for the 3rd time. Verifying that it was received and was informed that it has to be forwarded. I explained that I expected a resolution and would be filing a complaint for the mishandling of my account which is causing my debt to reflect $ XXXX more than it should and the carelessness and unresponsiveness of that company if I hadn't heard back. Now a week ago, in XX/XX/XXXX the collections calls have started again and after explaining things for the 4th time is like to file a complaint.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

IQ Data International has refused to provide any validation of debt. After speaking with XXXX  ( original creditor ) and confirming that I have a {$0.00} balance, IQ Data still will not remove the debt. I have called in multiple times to just get a settlement in order to no longer deal with this company, despite them violating my rights as a service member and citizen. Yet, when I call I get yelled at and hung up on multiple times. XXXX XXXX ( employee at IQ Data ) refuses to even provide me with a number to pay. 

Not only are they trying to collect on a debt that is not owed, they won't adjust the interest they have charged in accordance with the service members relief act.