davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
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 (MD)

Someone used my credit card on XXXX account. I never authorized these transactions.

And I never saw my paper statement.

I didn't recognize those charges. But I made a payment because My address has been changed for
temporarily due to covid19.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Motor Finance are morons. I paid off the loan as confirmed by them on XX/XX/2020. In both XX/XX/XXXXand XX/XX/2020 they have reported on mine and my wife 's 3 credit bureaus we have been late 30 days on each month. This after we had a XXXX  balance. I put in a complaint with them last month and they did nothing, now XX/XX/XXXXshows ANOTHER 30 day late. My credit score dropped over 100 points and I am trying to get a mortage now. Hyundai didn't care and told me to dispute it with credit bureaus myself.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OH)

I did a mortgage refinance with United Wholesale Mortgage in XX/XX/2020. The mortgage was done with a mortgage broker from XXXX. I was told everything would be seamless and there would be enough taken out into my escrow account at the time of signing and the projected payments to the escrow to allow for my taxes and insurance to be paid. I went with them based on the numbers I was given. In XXXX of 2020 I received a delinquent tax bill from XXXX county that my XXXX taxes had not been paid. I followed up with the mortgage company and they stated there was not enough in the escrow to make the payment. After talking to many people they paid it and the penalty too. I was told I would have to pay back the escrow amount of {$3800.00}. I never would have done the refinance had I known it would have been almost {$4000.00} more. The mortgage broker knew that and I feel like numbers were manipulated to get me to do the mortgage refinance as my husband and I have good credit and were a good target. The mortgage company stated I could pay back the shortage over 2 years and now I received a statement stating they would collect it over one year. The monthly amount went from {$2600.00} to {$2900.00} for one year and this is not something I signed up for.. I feel like the mortgage broker from XXXX XXXX XXXX misrepresented my new payment and the loan to get us to sign. This is not my mistake and I am being made to pay for their deciet.
Consumer complaint received 2020-10-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.
Consumer complaint received 2020-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.
Consumer complaint received 2020-10-11
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: Experian Information Solutions Inc. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so 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 XXXX  data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I received fraud alerts that my equifax credit report was access by two companies. I reached out to equifax and was assured that the inquiries would be removed due to my fraud alerts and identity theft report i had on file. I was told to give Quifax 24-48 hours to remove the inquiries. 

Its been almost two weeks and the only thing Equifax did was send me a letter in the mail giving me the definition of what an Inquiry is. I know what an inquiry is and that is not why i called. 

Inquiry - XX/XX/21 - XXXX  Inquiry - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 

Equifax did not address the issue and left the inquiry as it stands and Equifax did not remove it. I have not applied for credit with those companies and both companies assured my that no new accounts were added as the inquiry was the result of fraud.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (FL)

I received, absent of any solicitation or notice, XXXX XXXX XXXX debit cards from " Cash App ''. I did not sign up for, request or demand this service. Upon trying to contact the company, I was informed there are three methods to contact them : through their website, which simply explains the other options, a 1-855 number which also merely lays out the other options, and the option to use their app, which I do not have an account with. It is explained on the site and on the automated system that there is no option for live phone support. There is no straight forward option to dispute this situation, and very little information is provided in the mailers I received. I am concerned that someone may have used my identity to request these items.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I called Synchrony Bank ( CareCredit ) to pay my balance in full. I was instructed that there was a {$10.00} charge to pay over the phone. I agreed to the charge, as I wanted to make sure my balance was paid in full, the reason I called in the first place. I thought this {$10.00} was being added to the large payment I made that day, I went about my life thinking my account was paid in full. 
On XXXX XXXX, I was conducting a check on my finances and saw that my credit score had dropped nearly 100 points. Alarmed, I quickly searched for the source of the drop. I found that on XX/XX/2020, Synchrony Bank had ( unbeknownst to me ) charged the {$10.00} pay by phone fee to my credit card account. I was completely unaware of the charge, thinking I had settled my debt in it's entirety the day prior. 
Synchrony Bank subsequently charged me a late fee and two interest charges as a result of their {$10.00} pay by phone fee. I was unaware of this, as I was told my balance was paid in full and was not monitoring any statements coming through my email. CareCredit regularly sends tons of advertisement emails and spam, so I was not on the lookout for any statement emails that may have come through and must have deleted them. 
I made contact with the company on XXXX XXXX, 2020 and spoke with customer service agent, XXXX. I spent 1 hour on the phone with him. After several long hold periods, He informed me that they were willing to remove the late fee, but that I was still responsible to pay the {$10.00} pay by phone fee from XXXX, as well as {$4.00} in interest from that fee. 
Though I am unhappy with this result, I agreed to pay the {$14.00} to avoid further damage to my credit report. The company also agreed to send a letter to the credit bureau on my behalf. 
I feel the company has taken advantage of me as a consumer and also done significant damage to my credit report. Prior to this incident, my credit score was over 750. 
Had I been made aware that this " convenience '' fee was going to be so inconvenient, I would have never agreed to pay it. I only paid it to insure that my balance would be at {$0.00} following my phone call.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc. (UT)

I sent Square police reports awhile back through email to a Square representatives who stated he would forward the information over to clear the balance owed. However it appears nothing had been resolved. My XXXX credit card was stolen and fraudulent used including unauthorized access to my square account after it was taken over by a criminal organization who tried to threaten me if I took any action against them. My information was then sold on the black market.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (WA)

Chase bank refused to allow me to record a phone call, while they themselves had already announced to both parties that the call was being recorded. 

When calling to dispute a separate issue ( already filed with CFPB ), I attempted to record a phone call ( after announcing myself, which was not required on my behalf per state law. ) when I felt I was being discriminated against, and treated poorly. 

Per Washington state law, I had every legal right to record this phone call. And, again, Chase was already recording it. 

Chase denied me my legal rights as a resident of Washington state, to record phone calls with proper announcement/consent. 

Chase denied me this legal right, in my opinion, to suppress any investigation by myself into their deceptive, predatory, unfair practices.
Consumer complaint received 2020-10-11
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. (NC)

I have submitted multi request asking the credit bureau to confirm and supply Method of verification and who they spoke with when verification the supplied. No such information has been supplied only a repeat result of Verified. I'm requesting that Experian delete the remaining accounts immediate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-28
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. (MD)

I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (TX)

I created a business wise account on XXXX XX/XX/2023 and then i put XXXX dollars in it to send money to my supplier but for no reason wise deactivated my account after that my money was kept by wise for 6 months Closed they gave me 30 working days every day made me wait 6 months but now I just want to know why they are not reactivating my Wise Business account.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been trying to get PORTFOLIO RECOVERY to be removed from my credit report. PORTFOLIO is reporting an inaccurate balance amount of {$10000.00}. Account status says open and it says I'm 120 days late on XXXX XXXX, but the XXXX and XXXX of 2020 report say " OK '' status. I have disputed with all three major credit bureaus to with no removal of this account. I have sent letters directly to portfolio recovery in an attempt to resolve this matter. this company is reporting inaccurate information and in doing so it really hurts my credit score.attached is a recent identityIQ credit report marked for your convenience.
Consumer complaint received 2018-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down XXXX points for the last several months.
Consumer complaint received 2018-04-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Reliant Capital Solutions, LLC (ID)

Called me at XXXX XXXX, did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I mailed Experian a " method of verification '' letter via certified mail on XX/XX/ requesting information relating to how Experian verified that the XXXX account is reporting accurately. According to the USPS tracking number for the certified mail, XXXX, the letter was picked up by a representative from Experian on XXXX XXXX XXXX I received an email from Experian acknowledging that they received the document but they were not sure if it was sent by me or authorized by me so they stated they would not process the document. That is Experian 's typical stall tactic. They always send me an email of that nature for every document I mail out to them even though every document includes a picture copy of my Drivers ' license, social security card and cell phone bill for proof of address. I contacted an agent from Experian using the number provided in the email. I told the agent that I mailed out the document. The agent stated that she could not locate the method of verification letter. Which is not possible because I received an email from Experian acknowledging receipt of the document. I told the agent the document was picked up by a representative from Experian according to the tracking number and to process the method of verification letter. As of today, XXXX I have not received any response from Experian at all. It has been beyond 30 days since Experian received the method of verification letter! Thus, I am submitting this complaint along with the failure to respond letter. I have attached the method of verification letter, the failure to respond letter, and information regarding the USPS tracking number for the delivery of the letter. Under federal law ( 15 U.S. Code 1681i ), Experian had 30 days to complete the investigation from the date Experian received my method of verification letter. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The XXXX account now must be deleted from my credit report.
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

I have an issue with CASH APP I had a phone that was washed and I no longer have access to that phone number at the time at least {$25.00} was on my account in which I had not yet accepted, about a month later someone advised they sent me {$100.00} and I attempted to merge the accounts on XX/XX/XXXX I received an email from CASH app with instructions on how they would be able to merge my accounts when I provided detailed information, I did all of what was requested and have attempted at least 6 times to contact them again and no response ; I do not have access to my old information. 

The original Cash Tag was XXXX XXXXXXXX under phone number XXXX email XXXX card ending XXXX XXXX XX/XX/XXXX XXXX the new CAsh Tag XXXX XXXX & XXXX   XXXX because I have tried again under phone number XXXX all other information is the same. I sent several emails advising this and the senders aren't able to retrack their money.
Consumer complaint received 2023-09-24
Product: Credit 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: SYNCHRONY FINANCIAL (NC)

Care Credit repeatedly failed to resolve my dispute. I explained to them multiple times now that I am disputing charges with the merchant who committed malpractice and falsified medical records. I spent over XXXX on XXXX bills trying to correct merchant negligence and malpractice. My dog had to undergo two XXXX XXXX. I attached the witness statement from another XXXX and two distinct sets of records that the merchant falsified, I also explained that the service was not provided as agreed and Care Credit sent the same response from the merchant dated XX/XX/XXXX.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Southwest Credit Systems, L.P. (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (HI)

Requested loan refund as now qualify for forgiveness program but need my account to reflect new balance ( not physical money in bank ) and was assured that online account and statements would reflect accurate amount by XX/XX/2023 ( called twice to confirm this date and that the request was already approved ) and when that did not happen I called again and was told vague information about where in the process the refund was and that there is no way to now know how/when the online account can be updated but was told that it seemed to be approved. I now owe this money but there is no way to prove it and thus manage it.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 of crimes which antedates the report by more than 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc (TN)

Date : XX/XX/2017 Amount : {$570.00} I received the loan for a friend, and she promised me that he will keep up with the payments so I will not have this on my credit, but she never paid me back. As I check my credit I see that the debt was closed and have been closed for months and I want this deleted off of my credit. I tried contacting the company but they will not remove the deleted account off.