davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

We sent ( via USPS Certified Mail, Receipt Requested ) a check for {$5800.00} to Synchrony Bank on XXXX XXXX, 2023 to pay in full the balance on Plan XXXX. 

An attached letter was enclosed with specific instructions to apply the payment to XXXX XXXX. It is also clearly marked on the check to apply the entire amount to payoff XXXX XXXX 

Synchrony Bank did not applied the full amount to payoff XXXX XXXX  as directed in the letter and on the check. Synchrony willfully and purposely applied {$1100.00} to XXXX XXXX 

Regarding XXXX XXXXXXXX, we are currently disputing the interest and fees that Synchrony is charging us for XXXX XXXX, see CFPB XXXX XXXX. As of today, I have left 3 detailed telephone messages to the Synchrony representative that responded to this case. I have not received a return telephone call. 

It is a little hard to ascertain, but it apprears that Synchrony has previously applied monthly payments {$160.00} for the months of XXXX and XXXX 2023 to XXXX XXXXXXXX instead of applying to XXXX XXXX as instructed in the letter and on the check..
Consumer complaint received 2023-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Fraud at an auto shop ended in catastrophic damage. XXXX would not adjust the charges. Location is XXXX # XXXX XXXX in the amount of {$740.00}. XXXX contents that the issue was not resolved with in XXXX XXXX but after having worked with the vendor to seek indemnification XXXX XXXX passed before asking XXXX  to help. Could you help as the damages they caused to the car are severe. 
Thanks XXXX
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for Experian XXXX If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i  issued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.
Consumer complaint received 2023-06-15
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: CITIBANK, N.A. (NY)

So on XXXX  I authorized a payment to a merchant that was advertising a rental property with the agreement that I would be refunded if I no longer was interested in the rental. However, with this merchant, they seemed suspicious because they were not compliant and back and forth with me when I asked for a video tour. They also repeatedly asked for money and that was when I was no longer interested in the property. I had asked for a refund multiple times and they kept stalling and told me they can not send me back the money because they did not have money in the account. They told me they will send me their personal information so that I log in and make the withdrawal myself. I refuse to click on any suspicious link nor do I want to make any withdrawal myself, I had asked many times to send the money back via trusted methods like XXXX, XXXX, etc but the merchant refused to. I have called and repeatedly explained my situation to Citi that I am requesting a chargeback due to never receiving the service the merchant provided. In the beginning, it was reported as a fraud to which the bank concluded that it was not a fraud. So I try to reopen the dispute and they kept telling me that they have already made multiple contacts with the merchant and that the only way is to ask them to refund me. I've told them many times that I have already tried. Also about them sending me a suspicious link and making the withdrawal myself. They have never asked me for any proof either because I have proof of the entire conversation between the merchant. I kept calling because this issue is really frustrating. Finally, someone in the bank said that the investigation has reopened and that I just have to wait however, I do not see an update on my bank account yet. Usually, when a dispute is ongoing, you can track the status. I am writing this complaint because I am unsure if they have reopened the investigation or if they are just saying that so I don't have to be dealt with. Currently, my statement is about to be due soon in a few weeks and I have been trying to resolve this issue for 2 months now. I do not want to have to pay for something I have not received and also for someone to receive money from being a fraud/scammer.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

On  XXXX   XXXX .   XXXX    XXXX  received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )   On   XXXX   XXXX ,   XXXX     XXXX   received m y 2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my  XXXX  credit report.     They have removed public records, but, the state tax lien was not removed.
Consumer complaint received 2023-06-15
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: 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 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

On XX/XX/2021, I initiated 2 online money transfers via WU of {$2000.00} each, debiting my account at XXXX XXXX XXXX XXXX in favor of my wife in the XXXX. The amount of {$4000.00} plus fee of {$11.00} ( 2,000 plus XXXX XXXX ) was deducted from my account but, the money was never received by my wife. When I called WU, they explained that their Compliance Department stopped the transfer and that my account will be credited back. This never happened and I have sent various emails demanding the return of the funds. Until now which is almost 6 months, my money was still not returned to me. The funds came from our account at XXXX which was part of our retirement funds. I can provide documentation if needed. For identification purposes of the transactions, please quote XXXX XXXX and MTCN XXXX. 
Thank you. 
XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I was on forbearance with XXXX XXXX my loan is actually a XXXX XXXX. I took myself off forbearance because I got a new job and was happy to start paying my mortgage again. This was in XX/XX/2021. XXXX put me on a " trial '' modification for XXXX, XXXX, XX/XX/2021. I paid XXXX, XXXX, but mid XXXX I was exposed to a positive case of XXXX at my new place of work. I got tested and was positive within days I was ill and had to quarantine. It turned into pnemonia which extended my recovery. Because I am a brand new employee with no sick time accrued and the sick pay protections expired ..... I had no income at all and could not pay the full amount of my {$1400.00} last trial payment for XX/XX/2021. 

So I sent a check on XX/XX/XXXX for {$800.00} with a hardship letter stating I was going to pay the rest XX/XX/XXXX. I received no response. I called and was told to turn in a new Borrowers Assistance Application. I certified mailed it. On XX/XX/XXXX I received a letter of deafult and demand to pay 28k by XX/XX/XXXX. 

I reached out to HUD and applied for the CALIFORNIA MORTGAGE RELIEF grant. I am 100 % qualified and meet all the criteria. My application is stuck on hold because XXXX will not provide me with my current mortgage statement. They have been extremely unprofessional, unorganized and have told me I had nothing to worry about but when I call and speak to someone else they tell me no assistance for me is available and headed for foreclosure. Its been the most stressful situation in my life as a single mom. 

To make things more difficult XXXX has been purchased by Freedom Mortgage. The Cal Grant needs my information so they can apply the grant funds to my default past due amount. XXXX is refusing to provide that as well. I called Freedom Mortgage and they said they have no record of my loan whatsoever. 

I dont know what to do? There is a wonderful grant waiting to help me out but the red tape is blocking it from happening and the days are slipping by. 

Can someone please help me get to the bottom of this? I have a little boy I am responsible for and no family near by to help.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Hello to whom it may concern, Under the new law effective XX/XX/XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time experian XXXX nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I finalized on a condo in XXXX of XXXX with a mortgage from XXXX XXXX. The mortgage terms stipulated an escrow. Then the loan was sold off and then again. It ended up being sold to SLS ( Specialized Loan Servicing LLC ). I have been making payments to SLS with the amount detailed in the loan going toward the XXXX, so I have been paying them to pay my XXXX insurance. Then yesterday XX/XX/XXXX, I opened a letter from SLS where they said my XXXX coverage had lapsed and they were going to make me use their own company 's insurance, which " may be significantly more expensive than the insurance you can buy yourself '', if i did not provide proof of coverage soon. To me, it seems like they were trying to change the terms of my mortage! 

So I immediately called my XXXX provider and they explained something happened the insurance was canceled on XX/XX/XXXX because they did not receive payment and that they would need to call the insurance company, but it could be reinstated & backdated since it technically lapsed back in XXXX. Phew what a relief. But in order to reinstate it they would need to call SLS. Of course no answer. I tried calling separately but no answer. 

I called them the next day on XX/XX/XXXX and it took me XXXX minutes to get through to a Rep. The rep then said yes they " randomly '' marked the XXXX for the loan as not coming out of escrow. Well if that was the case why was my mortgage price the same? Where were they keeping that money? Anyways they said they could call XXXX with me but it would take at least a few hours and maybe a couple of days before they could even switch XXXX back to being escrow in their system and overnight a payment to XXXX.
Consumer complaint received 2022-02-04
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. (AR)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (TX)

Experian has purposely on a continued basis reported illegal information on my account that has negatively effected my account and my life. I have not given permission to any credit bureau to report any of my information and according to the 15 USC 6802 B I have that right. A collection from XXXX was reported as delinquent which is illegal. My balance on my car balance increased and that dropped my points down by XXXX. My car note is not late nor is there a reason why it was reported with an increased balance but I have not given permission to be reported. There were two fraudulent accounts reported on my account and my credit took a XXXX point plunge. I disputed those accounts because they werent mine and should have never been reported, when the items were removed my points only increased by XXXX points.. Something is not right and I am sure it is the credit reporting agency. Also, my credit scores are at least similar on both XXXX and XXXX but experian is reporting XXXX points less on their end.
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NRA Group, LLC (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This company has threatened to garnish my wages as well as saying they will sell my information to other companies. They have sent multiple bills to different address of family members that have same last name as me that I have not spoken too. I have asked multiple times of proof, even have gotten lawyers involved so the calls and mails can stop coming in. Im not getting approved for anything as they are saying they will report this collection to any loan agency or anything to hinder me to fix my credit and get approved. This account has been opened since 2021 and since then I have been attacked with calls and bills and threats of garnish or unemployment.
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

Last year i was paying {$150.00} dollars. This year I received a letter saying that I owed XXXX..I called fedloan and iinquired about the loan and they were not helping me so. I called the Department of education ask if they would change my loan handling service because l Was not please with Fedloan service. After few days i tried calling Fedloan Service again. I think the young lady name was XXXX that talked with. She was really nice and she informed me that my loan was reduced to {$320.00} dollars ahe also told the I had made 28 payments towards my public service forgiveness loan. Today I received a letter and the statement looked like i have not paid anything. It also stated that the final payment is in 2027 which would be Ten more years. My XXXX XXXX is up and i am now stress out. Could someone please help me and give me a new loan service before this one put in hospital and i want be able to Pay anything. I have always tried to pay my loans off and on time. Your help would be greatly appreciated
Consumer complaint received 2023-06-15
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: MicroBilt / PRBC (formerly CL Verify) (GA)

I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

A collection company put a XXXX collection account on my credit report on XX/XX/XXXX. The amount is {$290.00} plus some interests. However I should not owe this bill. 

The original creditor of this bill was from a doctor who treated me in XX/XX/XXXX. The original bill was {$510.00}. The fact was that my insurance already PAID that bill. Because this doctor is in network ( based on explanation of benefits from insurance company ), my insurance paid it at a discount rate at {$210.00} ( in network rate ), and I got claims from insurance company that explicitly said I owe NOTHING for this bill. All the supporting documents are in attachment. 

I have good insurance. I was in the hospital because of emergency. XXXX day after I was in hospital, my insurance called me and said that all my bills should be covered because it was an emergency situation. 

It turned out that doctor still charged me the rest of bill even if my insurance paid it, and they didn't recognize the discount rate for in network provider. They should contact my insurance company for the deal between them. 

Even worse, I didn't get the bill in time and when I found out this bill, it was already on my credit report. I didn't have enough time to handle this bill before it was on my credit report. By the time I got called from collection company, I paid this bill by myself immediately because I was so nervous and surprised.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (MO)

Im not sure whats going on or who this company is. I sent a cease and desist dated XX/XX/2022 requesting verification of this alleged loan and the company never followed my instructions, only sent a copy of a contract that they are not listed in. By law they had 30 days to provide me that information or to cease all collection activities, which includes reporting information to the credit reporting agencies. They have continued to violate my privacy by reporting and have neglected my concerns as a federally protected consumer. I called and no one is able to explain why Bridgecrest is not on a contract they sent me.
Consumer complaint received 2023-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

I paid a debt to Commenity Capital XXXX for {$2300.00}. They were supposed to settle the debt that I owed, however rhey never reported it to the credit bureau, accepted my payment and carried on. It's been a year and it's still on my credit report. After contacting them, they told me I owed them still and stonewalled me saying I never paid. I have bank statements proving I paid.
Consumer complaint received 2017-08-03
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. (NY)

I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.