davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

My BP Bisa/ Syncb credit card has been turned down numerous times none of which involved nonpayment or credit history. I called in today XXXX/XXXX/16 and gave them all of my information that they requested and they said they needed to send me an identity code to verify my identity and they needed a cell phone number. My cell was in my car and not with me so I secured it and called back. They sent a code to my cell and when they then said that they could n't verify it even though they had sent it to me. This same thing happened before with Sycrony Bank with my Sam 's club card. This bank ca n't get anything right. Now I have to wait 7-10 days to get a letter with a new code on it and I 'll bet it still wo n't work. I intend to terminate all my credit cards that are administered by Syncrony bank a I can not trust them to do anything right. Last summer I bought a new laptop computer at one of the large electronic stores and charged it on my Sam 's card through Syncrony. That charge went through and I then purchased some software for it in a separate transaction and they refused it. When I finally got through to Syncrony they said that my purchase of the software was an unusual purchase and that 's why they refused the charge. Duh! They let the charge for the computer ( {$1500.00} ) go through but refused the {$35.00} charge! What idiots.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have already complained to Synchrony Bank about the decline in my application for a Lowes Credit Card. In their response Synchrony indicated I was declined due to potential fraud and that no hard inquiry was ever pulled even though I told them XXXX  shows a hard  inquiry. So basically they closed out my complaint and didnt solve my issue. If indeed, they never pulled my credit then why is there a hard inquiry?
Consumer complaint received 2020-10-05
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. (IL)

I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX  shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX  letter states as verification the write balance and past due balance are incorrect.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

To Whom It May Concern : Experian Credit Bureau I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 

To make your process of deletion easier, I have attached list of the incorrect addresses that I am currently Seeing. ( see letter attached ) 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.

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

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 2018-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (IL)

On or about XX/XX/2011 I contacted XXXX to discontinue services with the company. I asked them to stop services and they made an appointment for the technician to pick up their equipment, they did come and picked it up. Months later I received a bill in the amount of XXXX dollars. I called XXXX and they said I would have to pay this. I told them I discontinued services myself. What other way would they have got their equipment. Since then this has been on my credit report for no reason and I would like it removed.
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. ()

I have sended XXXX ( XXXX XXXX ) amount on XX/XX/2019 from XXXX, that amount debited from my account but not deposit to recipient account, i consult the no.of times to XXXX customercare but still pending my issue please help me on my issue.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: COLUMBIA BANKING SYSTEM, INC. ()

On XX/XX/XXXX I got an email from my bank a statement that I asked after my husband died on XX/XX/XXXX on XXXX and we found 51 transaction ACH on 7 months for a total {>= $1,000,000}. 
After that we called to the Bank to ask what happened with the money they said sign that you didn't recognized all those tracaction and I did and resend 2 pages signed by myself, the bank said take 45 to 90 days to find what happened. My husband and me the last time that went to U.S.A was on XXXX of XXXX and left on XX/XX/XXXX to XXXX. 
On XXXX XX/XX/XXXX we got an email that there isn't an error and the investigation is completed and no error not occurred. now they received the compliant on XX/XX/XXXX and concluding an investigation on 11 days? On that time the account wile they are investigating was blocked, on XXXX XX/XX/XXXX we got an email to call to the bank and unlock the account and we did the balance was {$13000.00}, the strange or a mistake that the bank did was that they accepted 10 transaction of a small amount less than XXXX dollar each one and those trastastion were almost a similar or the same numbers to the high amount, but the bank didn't gave back the small amount, I worked an entire life to have that money and never my husband used a computer to do that, he just write a normal check and cash here in XXXX. We found that those translation you must be on U.S.A to do that. I will attach all the statements, the decision of the bank that was so poor giving just a date the amount and a combination of number and letters but not a receiver. WHO WAS A RECEIVER I ASKED TO THE MANAGER HE SAID I DON'T KNOW. 
I trust that the bureau will be so honest with me. 
Notice that on some transition of {$3000.00} were received by a company called XXXX company????
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

What happened was I recently started taking a look at my credit reports after being denied credit and I am concerned to find an account reporting incorrectly by LVNV FUNDING LLC. I sent multiply letters to them regarding this issue telling them that this information is invalid in the amount of {$1000.00}.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MT)

Saturday XX/XX/2020 closed my account, and transferred money out of my account at Marcus goldman Sachs. Been on the phone with them everyday, and long hold times, no one there knows why the account won't close or why the money will not transfer
Consumer complaint received 2020-10-05
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. (FL)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 I submitted disputes to TransUnion about a fraudulent credit account on my credit report and submitted documentation of this account being removed from other bureaus reports, the credit companys letter stating they were removing it, my FTC and law enforcement reports. TransUnion has not yet removed this.
Consumer complaint received 2020-10-05
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. (NC)

I have a credit card with XXXX XXXX XXXX XXXX. I paid off the complete balance in early XXXX with a remaining balance of {$10.00} as advised. After 30 days, Equifax still showed THE HIGH balance. I submitted a dispute on 4 separate occasions. Equifax responded 4 different times and said that it was resolved. There was no change to the report or my score, because of the delay in updating my report ( XXXX and XXXX updated their info ) we were denied credit for a mortgage to build a home. Additionally, because this process of getting an update credit score by Equifax was delayed the seller increased the price by {$500.00}!!! and will keep increasing it every month. I checked Equifax this morning and STILL NO UPDATE!!! WE ARE GOING TO NOT ONLY LOSE OUR DEPOSIT BUT ALSO HAVE INCREASED THE SALES PRICE OF THE LAND. All of this because Equifax refused to do it's job and report accurate information.
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (MS)

On XX/XX/XXXX, ARA Inc. contacted me and left a voicemail stating that if I did not respond immediately, they would be sending a locator to find me and also issue a warrant out for my arrest. On the same day, they contacted my mother and let her know that I owed a debt and that they were sending a locator to her house to find me and to issue a warrant out for my arrest. After my mom told me this, I contacted ARA where I spoke to a representative who was insanely rude. I asked her to send me validation of the debt and she hung up on me. I then called back, referenced the case number they gave me, and the woman told me again, that if I did not comply I would be arrested. I let her now that I had absolutely no clue of this debt. I also told her to not contact my mother and do not send anyone to her house. After hearing that, the representative hung on me. Again, a representative, Ms. XXXX, called my ex husbands grandmother to ask to speak to me. The representative let her know that I owed a debt and that if she didnt hear from me today, they would be issuing a warrant for my arrest. This is getting completely out of hand. Ive asked for a validation of debt which I never got. They have contacted family member and spoke of this debt and threatened to pursue legal action. This is not right! Ive had to change my number because they would call my phone up to four times a day and leave threatening voicemails. I just want them to leave me and my family alone.
Consumer complaint received 2018-12-20
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: Experian Information Solutions Inc. (FL)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX,
Consumer complaint received 2018-12-20
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. (FL)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-05
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. (TX)

Experian- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX  XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX- I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.
Consumer complaint received 2020-10-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (CA)

I have a XXXX XXXX XXXX It was purchased from XXXX XX/XX/XXXX. From the very beginning, I had issues with the car. I went to XXXX to get it repaired they wouldn't repair without a service fee. which I thought was unreasonable being that I just purchased the car. I then took it to a XXXX XXXX, it was repaired and covered. Many more things began to go wrong with the car. I took it to a different auto repair service center who said it had an electrical problem that is quite expensive also only the dealership would fix it. Eventually, the AC went out, the repairs for that was {$3200.00}. There were other problems the check engine light was on, the mileage indicator was flashing and other warning lights were on as well as the engine needs service message. I called American Acceptance the Loan company to see if the would assist me in any way. They advised me maybe they can if I would get an estimate of the repairs. I went to an auto repair a place that repaired my car in fact it was the same place that initially told me that only the dealership could fix it. They gave me an estimate unfortunately they did not put everything in writing, he said because he can not get prices for many of the parts. He also told me that all the work that is needed on the car it would not be worth it, and the difficulty in finding the parts they do not want the job. The finance company said they would take off 85 % of the value of the vehicle but I would have to get an estimate showing the repairs are more the value of the car. the value of the car is {$4100.00} to {$5000.00} in good running condition this car is not. The repair as it is now is more than {$3200.00}, to get an estimate from the original place that gave me an estimate they need {$400.00} just to diagnose the can system which is to do with computers. So I went back to the dealership and they said over the phone it would be {$150.00} to diagnose but when I got there it was {$170.00} for 3 things he wasn't done telling me the different diagnosis the car needed because all of the codes that came up, I stopped him because I could not afford more than the {$170.00} he said it would be about {$1000.00} to diagnose my vehicle. I basically told the finance company that I can not do both pay for the vehicle repairs and car payments, I asked to please assist. the problem is I can not afford to get it diagnosed they also need it to be not drivable which it is, and the motor or transmission needs to be replaced. This is very unreasonable since the repairs so far is {$3200.00} The Estimate is {$1000.00} and the value of the car is {$4100.00} ... so far I have paid {$10000.00} the balance it {$17000.00} how does that make sense. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-05
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. (NJ)

Dea

r Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore  needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX
Consumer complaint received 2015-07-03
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL (NC)

On XXXX XXXX 2015. I applied online for a walmart credit, when I did the application I mistakenly put my physical address instead of my XXXX XXXX XXXX which I can only receive mail at XXXX XXXX XXXX They said online that I should receive a letter in the mail within 10 days when I applied online. I never received letter so I decided to call The Walmart credit card status phone number at XXXX on XXXX XXXX 2015. After being transferred to the correct person, I was then told this call is being recorded and monitoring I said ok, then she asked me to verify my identity because I was checking on the status. I gave her my social my date of birth my address etc. She then verified that it was me who applied for the credit card. She then proceeded to tell me congratulations you have been approved. Then she told me to hold on the line a minute I said ok. Then a few minutes later she returned on the phone and said that there was a problem with the computer and unfortunately I have been denied and they would send me a letter in the mail explaining why. I then asked how can I be approved then put on hold and then told that im denied? She said she was sorry but im denied. I then hung up phone. On XXXX XXXX 2015 i was sent a email from my credit report monitoring service called XXXX that I now have a new hard inquiry? I said what is this?? I then called back to XXXX credit card services and asked why was my credit pulled without my consent? I called on XXXX XXXX 2015 just to check the status of my application for credit. I was never told at any point of time that my credit was being pulled at all!! When I asked why was my credit pulled they quickly said we never pulled your credit? I have proof from my credit reporting monitoring at credit karma which is TransUnion that shows that on XXXX XXXX 2015 XXXX credit card services pulled my credit and on XXXX XXXX 2015 walmart credit card services pulled my credit again. This is clearly a violation of my rights and the FCRA that was done intentionally and negligence on behalf of walmart credit card services. I feel as though when she was putting me on hold over the phone she deliberately checked my credit without my consent for fraudulent reasons. This phone call was recorded and monitored! I am meeting with a attorney next week to file a lawsuit and supeona phone conversations from both XXXX XXXX and XXXX XXXX to show my rights have been violated.
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/2015 My father after 10+ years of perfect payments to Bank Of America got the devastating news my mother would have to be put in XXXX because her XXXX XXXX was progressing quickly. My Fathers XXXX could no longer maintain or afford their dream home any longer. Being a man of integrity, he contacted them immediately and told them they could no longer afford the home and my mother could no longer navigate the stairs. I am a realtor, I immediately got the POA 's that were necessary and started trying to assist BOA in the process of a " short sale '' as to keep them form losing any more money and to respectfully release my father from the incredible stress. This was the plan of action we chose. Since that date we have now spoken to XXXX individuals, we 've sat and watched my fathers state of mine and financial future damaged beyond repair, we lost my mother XX/XX/2015, we received an incredible short sale offer on the home that was not even submitted until 2 months later, had over XXXX showings and the home continues to deteriorate, no phone calls to me personally have been returned, Bank Of America has not represented the company in a professional manner nor have they shown compassion or tried to rectify the matter on a timely basis, we are in the XXXX month of dealing with a process that has taken less than 90 days with other banking institutions and we just got turned over to XXXX new contacts that have yet to perform any better. BOA has caused unnecessary stress on my father, my realtor and shown poor care for their own company. If they are doing to my father at the age of XXXX, they are doing it to XXXX others. It is a travesty no one should have to deal with especially when the seller has made every attempt to do the " right '' thing even though my mothers illness and passing caused the extreme challenge. Shame on BOA and their leadership. They have cost their company probably XXXX dollars because of their antiquated systems and poor judgement. This is in my opinion fraud.