davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
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 (IL)

Without my authorization or knowledge, a Discover card employee erroneously started a dispute on a charge for airline tickets. Discover claims that they have cancelled the dispute. However, the airline shows neither the dispute nor cancellation. I have it in writing that Discover cancelled the dispute. However, my flight is at risk because the airlines have no record of the cancelled dispute. I have been on the phone with the airline and Discover for over 3 weeks and I believe there is still a problem in that my airline tickets reservation is still at risk, according to the airline. Despite telling Discover this, all they will do is issue me a {$100.00} credit, which is appreciated. However, the airline told me that Discover should be able to contact the airline online to cancel the erroneous dispute. Discover claims that they don't know how to do this and don't need to and keep trying to assure me that all is well and that my flight is confirmed. Despite my calling Discover again today to tell them that I am receiving an email from the airline that is asking me yet again to confirm my flight and Discover card payment for the flight, Discover is trying to placate me by telling me all is well. All is not well and I don't appreciate that they will not let me talk to anyone in authority except for low-level supervisors who try to placate me. Discover has offered to refund me my money if my flight is cancelled. That's not the issue. I don't want a refund. I want my flight assured. I also want to file a formal complaint against Discover for initiating a dispute without my authorization and for the way that they have mishandled their mistake in the past 3 weeks. I see no way on the website to initiate a formal complaint against Discover. If they treat people like me ( and my spouse ) who have been long-time customers and have extremely high credit ratings, I shudder to think how they treat marginal customers. I seek the opportunity to speak with the head of billing for Discover, despite their underlings saying that " they have other things to do besides talk to customers. ''
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TN)

I had my credit pulled for as I have never had any credit and had an account from Credit Management LP on my credit report dated report date of XX/XX/2019. I called and spoke with a harsh rep as I have not had any accounts open with this company, she stated just pay my bills. I explained I have no idea what company this is as I have never used credit my entire life and she stated XXXX XXXX. I stated I live with my finance and she has her own cable which is XXXX XXXX so that can not be correct. I asked for documentation and an address that had this service, she stated she could not give this information and pay my bill. I stated I am not responsible for any bills I have not created. Asked to be sent documentation to my address showing I signed a contract or anything for this XXXX  place as there is no XXXX company any where around me. I told lady it is my right to have documentation along with my signature and anything else before they can just give any one services, as well as Credit Management has not contacted me either regarding placing anything on my report without giving me proper notice in writing. Had I not been checking my credit, I would never knew this was on my report. Lady did not want to help nor send documentation. I filed a report with the FTC for identity theft and also sent Credit Management written notice certified mail to send me documentation of me signing anything with XXXX, they failed to send me anything not even a bill which is against Federal Consumer Laws.
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: SYNCHRONY FINANCIAL (CA)

I have received a letter from PayPal Credit saying that a credit card for {$3000.00} was opened in my name and home address. The email and phone number linked to the account did not belong to me. I tried to call their customer support, but only a robot would respond and ask me to provide a phone number linked to the account I did not know which phone they used to open the account. In the end, I found a wrong phone number added to my credit report, and called PayPal Credit again, and asked the robot to close the account. The robot told me that someone has already purchased something for more than {$2900.00} via XXXX transactions. I still can not get any representative from PayPal Credit to answer my call. I have frozen all my credit reports on the XXXX credit bureaus, filed a police report and a report with FTC.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX. 

this was a closed/charged off account that i already paid in full. Equifax reported first on XX/XX/2019 as paid then suddenly they changed this account to unpaid for no reason known to me, and when i call them they don't have a given answer! 
yes every one i talk to, tell me something completely different than the one before him/her! 
yes one of them will tell me it's been updated to paid, when i go and check this out i see it still reported as unpaid! 
when i call back they will tell me it's been deleted! 
when i check, i find out it's still there as unpaid! 
Not only that but they report it as " unpaid '' with a recent date and this devastate my credit score! 
Yes on XX/XX/2019 they reported as " paid '', then on XX/XX/2019 they suddenly changed this to unpaid, for no reason known to me. when i asked them via phone, why? based on what you did this? they were not able to provide me with an answer! 
then again on XX/XX/XXXX they reported the same account as unpaid despite the " Paid In Full '' letter i faxed them from XXXX, the creditor! 
when I ask them why, they don't have an answer or send me a written response! 
this is a charged off, XXXX XXXX XXXX utility account of {$27.00}. 
XXXX sent me " paid in full '' letter that i faxed to Equifax, but Equifax disregarded this XXXX statement while continue to report it as " unpaid ''! to stop me from calling them, they now considered me and identity Thief! as such they now refuse to talk to me! to check my report i went to " annual free credit report '' but Equifax blocked me! but when i paid them to get my report they gave it to me immediately despite their claim of me being and identity thief! 
this is unusual!!
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (OR)

I initiated a balance transfer from my US Bank visa credit card to my XXXX XXXX credit card in XX/XX/2022. XXXX XXXX sent a check for {$3800.00} on XX/XX/2022. US Bank sent info to XXXX XXXX saying they received it and it was processed on XX/XX/2022. However, the account number was apparently wrong on the check. They claimed they figured out the account didn't exist, so they never processed the check, and it was sent back to XXXX XXXX on XX/XX/2022. It was sent back to the co-op address listed on the check, so it wasn't an actual XXXX XXXX branch or facility. I have been dealing with this since the beginning of XXXX, and I have been going in circles with both banks. Initially, US Bank said they never even received the check, but now theyre telling me they sent it back XX/XX/2022. I have had double the minimum payments, more money spent in interest charges than money on the card for US Bank, my credit usage on my credit report doubled overnight and has stayed there for 3 months even though it's false, all while giving XXXX  to my son and he and I being in the hospital on and off for over a month due to complications. I'm beyond frustrated and at a total loss of what to do. Both banks have representatives who seem to want to help, but no one is ever able to get any answers or gets contradicting information. I have called US Bank and gone into branches over a dozen times the last few months and I've halled XXXX XXXX  a handful of times. All because I filled out a balance transfer request online and it combined the date it was being transferred with my credit card number. It was a long list of numbers, and half of them were zeros. Only last XXXX numbers of the credit card were correct.
Consumer complaint received 2019-07-19
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. (OK)

I have three different accounts showing on my Equifax report that has no owners name, the accounts just shows ( original creditor ). 

On XX/XX/2019 I sent a certified investigation letter to Equifax which was delivered on XX/XX/2019 ( Tracking # XXXX XXXX. XX/XX/2019 Equifax sent an updated report on the accounts included on the investigation letter that did not include the three ( original creditor ) accounts. 
XX/XX/2019 I ran a new credit report and the 3 ( original creditor ) accounts was still showing on my report. I then sent a certified discrepancy letter to Equifax on XX/XX/2019 which was delivered on XX/XX/2019 ( Tracing # XXXX XXXX. XX/XX/2019 and XX/XX/2019 Equifax sent a detailed credit report of the accounts that was on the discrepancy letter, and once again the 3 ( original creditor ) accounts was not on the report. 

XX/XX/2019 I ran another Credit Report from Identity IQ and the 3 ( original creditor ) accounts are still showing on my credit report as a collection/charge off, with a consumer disputes this account info, medical, subject has not satisfied debt. 

I have attached all the certified letters and results from Equifax where they never verified the debt and/or removed them from my credit report.
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MI)

The debt has not been paid however, the debt is not owed. I broke my lease with XXXX XXXX XXXX due to being stalked/harassed. I communicated this to the property management and they informed me the only way to be relieved of owing the remaining rent and/or 2 months lease break fee I would have to supply them with a police report. The police report was provided to their corporate office. Despite me providing the police report the account was transferred to National Credit Systems , Inc. My wife and I have been attempting to work with XXXX XXXX on this matter to get it resolved but we aren't getting anywhere. I have/will enclose the documents to show that this debt should been removed from my XXXX report as well closed and not sold to any other creditors or debt buyers.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (OR)

XXXX A Hard Inquiry made by SYNCBPAYPAL appeared on my XXXX Credit Report which I did not authorize. It was an individual transaction and the identifying information they provided was my name and a previous address. SYNCBPAYPAL also requested supplemental information including 1 ) Public Records and Residential Information from the County Recorder 's Office and 2 ) Consumer Credit Information. This was all listed on my XXXX Credit Report. I do not have a Pay Pal account nor want one. I did call SYNCBPAYPAL on XX/XX/2019, and spoke with someone in their Fraud Department who opened a case # XXXX. I was told it would take 7 to 10 days to receive their report after they complete their investigation. 
This Hard Inquiry has affected my credit score and I'm trying to do everything to prevent further damage including placing a Fraud alert with all ( 3 ) credit bureaus and monitoring my accounts frequently.
Consumer complaint received 2019-07-23
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. (LA)

Ive reached out to Equifax a plethora of times but the situation hasnt been fixed yet. Theres a delinquent account from XXXX XXXX for a total of {$1000.00} still showing on my credit report when Ive never attend this establishment. XXXX  removed the fraudulent listing from my report Im just waiting on Equifax to do the same. Its been months
Consumer complaint received 2019-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OH)

Enhanced Recovery Company ( XXXX XXXX XXXX in XXXX, Florida XXXX, physical address XXXX XXXX XXXX, XXXX, Florida XXXX ) reported to the credit bureaus that I owe {$100.00} to XXXX XXXX  XXXX, XXXX. My bill was actually for $ XXXXwhich    I just paid. I tried contacting them but could not get through. They need to remove this incorrect balance ( which was just paid ) from the various different credit bureaus. I looked this company up on XXXX and they have a one star rating, leading me to think they are involved in fraudulent and possibly illegal collection activities. I have copied and pasted the receipt of the bill I paid ( which was for {$64.00}, not {$100.00} ). 

They also have NEVER attempted to contact me, or even sent me a bill in the mail. Thank you! Under this receipt I copied and pasted what they send to the credit bureaus. 

We received your recent payment to XXXX XXXX XXXX XXXX. 

Confirmation # : XXXX Payment To : XXXX XXXX XXXX XXXX Account : XXXX Payment Amount : {$64.00} Payment Date : XX/XX/2019 XXXX XXXX XXXX XXXX WHAT WAS REPORTED TO THE CREDIT BUREAUS accountnumber XXXX Creditor 's Name ENHANCED RECOVERY COMPAN Type of Industry Other Collection Agencies Address XXXX XXXX XXXX, XXXX XXXX FL XXXX Account Balance XXXX Payment Status Collection/Chargeoff Creditor 's Preferred Contact Method Other Consumer Statement Placed for collection
Consumer complaint received 2019-07-05
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: CREDIGY USA CORP. (MA)

There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status of charged off but the problem is that I never had an account with this company called XXXX XXXX XXXX the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2017, I have disputed this account with XXXX  , XXXX  and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX, XXXX and XXXX  are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.
Consumer complaint received 2019-07-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ditech Financial LLC (CA)

I normally receive statements from DiTech on or about the XXXX day of each month. As of XX/XX/2019 I had not received my normal monthly statement. I called the customer service number XXXX. This call took place on XX/XX/2019 at XXXX PDT. I spoke with XXXX. She transferred my call to another DiTech employee. I stated that I had not received my bill, I requested the date on which the bill had been placed in the mail, I requested where the bill had been placed in the mail. He could only reply that the bill had been prepared with XX/XX/2019 statement date. This did not answer the question as to when and where the statement had been placed in the post. He stated that he did not have this information. I requested for a replacement statement to be sent. 

That this basic information is not available to DiTech mortgage holders indicates the intentional act of management to keep its employees and its customers uninformed as to the operation of their MSR processes. From an operational perspective, DiTech is not able to provide any believable assertion that DiTech has either the staff or the financial resources with which to present the DiTech business offering to the public.
Consumer complaint received 2019-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WorldRemit Corp. (NY)

The money exchange company, WORLD REMIT are a big fraud in the industry! Ill surely report them to XXXX, CFTC and also expose them by posting a blog on XXXX and XXXX about how they mislead and fraudulently charge their innocent customers hidden fees without having a proper disclosure or prior notification!! I did a money transfer through them on XX/XX/2019 from USD to NPR for {$200.00}. I was basically trapped because of the low exchange fee offered by them i.e {$2.00}, but up on completion of transaction I was basically charged {$13.00} in total!! While processing transaction through their App, When I chose payment by CC, nowhere on their app it indicated or shown that the transaction will be treated as a bank wire transfer or cash advance neither it prompted me that there will be additional {$10.00} fee imposed by my CC company, just because they ran the transfer as bank wire transfer/cash advance and not that CC company was aware of it!!! I was happy that I paid a low currency exchange fee for transfer of funds and they ripped me off by processing it as wire transfer and not showing any additional fee at the time. It still kept showing a fee of {$2.00} till the end of the transaction. The funds transfer was actually a donation to build up the church and I was ripped off by these guys!! Its morally, ethically and legally a fraud to charge fee, post transaction, days after it was processed, by my CC in the statement. I was quite upset!! Ethically, they should have refunded the additional fee when I contacted back to resolve the issue but their Rep easily shrugged of their shoulders and put the blame on CC company, In fact, it was actually not their ( CC Comp ) fault!! It was the responsibility of World Remit to be transparent and show the total fee in advance or prior to the transaction as all other money transfer sites, XXXX, XXXX XXXX, and XXXX do and are obligated by the government policy but they failed to do so!! SHAME ON THEM!! 
XXXX XXXX XXXX
Consumer complaint received 2019-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX XXXX. who reported it the Equifax, XXXX & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never  received a response from XXXX or Equifax. After investigation, XXXX  removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX XXXX  who placed it back on all 3 bureaus again. I wrote a letter to XXXX  XXXX, who also ignored me. Again, XXXX removed the item with no response from XXXX  and Equifax. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX  removed the item with no response from Equifax. XXXX  took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe
Consumer complaint received 2019-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted to Equifax two disputes involving XXXX XXXX. XXXX XXXX Auto Finance is incorrectly reporting an account with Equifax and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. Equifax says they did an investigation of my claims in both cases but they did not address and of the errors of delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Consumer complaint received 2019-07-20
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. (MS)

I filed a dispute regarding three collection items on my credit report. Equifax refuses to properly investigate the items and they remain on my report with damaging effects. I have provided written documentation to substantiate my claim of errors and they have been overlooked. 

XXXX {$2900.00} XXXX {$500.00} XXXX XXXX {$440.00} XXXX XXXX XXXX was an account paid on time and satisfied. I contacted XXXX XXXX XXXX and they confirmed they have also sent them documentation, yet they continue to report late payments.