davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (GA)

XXXX XXXX placed an account in collections with XXXX financial services. I am a XXXX XXXX and I have no knowledge of XXXX XXXX and never attended this institution. Ive tried to dispute this account and explain that over and over. Ive even requested records that Ive attended this school and can not get any proof. This company has been involved in a lot of lawsuits from what I can see.
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I had a promotional offer from Synchrony Bank. I had set up my checking account to automatically pay the monthly payment. 

In XXXX, Synchrony added a " Paper Statement Fee '' which went unnoticed by me, and then has been charging late and overdue payment fees totalling {$270.00} as of XXXX. 

This practice of changing the fee structure in order to create a " gotcha '' opportunity which seems specifically geared to trap auto-payers using third party payment systems is abhorrent.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc. (MI)

Your advocacy lady Contacted saying she would handle getting me pay for the two XXXX XXXX in my name cash into your bank and account XXXX XXXX XXXX I were told by check fraud investigator XXXX around XX/XX/year> that SSN number XXXX led to that account he cash them into. 

Now it is Discovered that he has open up an account in my name at XXXX XXXX XXXXXXXX XXXX charter no XXXX and complaint file with XXXXXXXX XXXX  as XXXX which would involve illegal transactions at your bank, Please investigate. 

XXXX Claim no XXXX for XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
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: DISCOVER BANK (MD)

On XX/XX/year>, I filed a dispute with Discover Card regarding a charge of {$140.00} by XXXX for ordered items not being received. However, Discover Card failed to resolve the dispute within 90 days as it is legally required to do so per FCBA. As the attached document clearly indicated that Discover failed to resolve the dispute only until XX/XX/year>. 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), Discover has no legal right to collect or report the disputed amount of {$140.00}, nor any associated fees, due to its failure to resolve this dispute within the required timeframe. 

I reserve the right to pursue all available legal actions against Discover Card for its failures and illegal actions in handling this dispute. 

All fraudulent information, including the reported past due amount, must be immediately removed from all credit bureaus, including XXXX, to avoid further legal action against all parties involved.
Consumer complaint received 2024-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Perpay, Inc. (GA)

XXXX packages. Can not reach customer service. No working telephone number to reach out for assistance. I have one lost order and several held up orders while still being charged monthly for a service that I can not use. Reached out via email sent to at XXXX and was told that I needed to log in yo my account for assistance. I am clearly logged in my account to have placed orders and the chat feature is disabled. Several lost package requests have been submitted with no assistance.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MO)

I have filed declaration of our attorney with the IRS here in the state of Missouri I'm assuming they did not file it but I'm going to refax it over to the international office then I put in a power of attorney and cancel all contracts and asks to be able to endorse my bills I registered with the records of deeds office and email a copy to XXXX XXXX as well recently. It's not my fault these companies do not want to recognize that I know the law and I'm not going to let them keep getting over on me and charge me for stuff that's already paid for now they're falsely report things on my credit which is against the law according to US Code1692B in a couple others in that whole US Code 1692 section which I'm going to upload on your site with my power of attorney they need to take all those reports off my credit report asap because they're messing up my credit score and causing me problems getting other things which is not right and totally against the law and since I've also sent in discharge of all debt papers to the IRS in Utah I haven't heard anything back they should been wiped off my credit report but for some reason they're not and I have not received a bit of my security interest like I asked in my Dual power of attorney file with records of deeds office and the Secretary of State now.
Consumer complaint received 2024-10-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (FL)

Chrysler Capital Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX **Re : Request for Form 1099-C Account No. : XXXX Dear Chrysler Capital XXXX I am writing to formally request a copy of the IRS Form 1099-C for the account referenced above, which was charged off and reported to the credit bureaus as such. Under IRS regulations, when a creditor writes off a debt as a loss and cancels a portion or all of the outstanding balance, they are required to report this cancellation of debt as income to the debtor by issuing a Form 1099-C. 

According to my credit report, this account was charged off, indicating that Chrysler Capital has likely canceled this debt or a portion of it. As per IRS Publication 4681 and the Internal Revenue Code, 26 U.S.C. 6050P, creditors must issue a 1099-C when {$600.00} or more of debt is forgiven or written off. I believe this is applicable to my case, given the charged-off status of the account. 

Please send the Form 1099-C to me at the address listed above or email it to my email address : XXXX. This documentation is essential for my tax reporting and records. If you believe a 1099-C is not required for this account, kindly provide a detailed explanation for your decision. 

I look forward to your timely response and the issuance of the requested form. If I do not receive the form or a satisfactory response within 30 days, I may pursue this matter with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal action to ensure compliance with both IRS requirements and relevant consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I noticed several addresses that were not correct on my credit report XXXX XXXX Equifax all can not provide proof I ever lived at that address I demand immediate removal. Or I will seek commercial liens against all 3 bureaus for violating fcra 15 usc1681 and violating 18 usc 242. I have recordings of XXXX bypassing fcra. With blatant refusal. All 3 bureaus are acting as cabal in concert to keep poor consumers in bad situations.. and I will not settle for anything less than the max. There is inaccurate information and I do have a fraud alert on my account... I will be sending each agency a Notice of intent to lein if not removed immediately.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

Hi, I booked a XXXX stay on XX/XX/year> for a trip to XXXX on XX/XX/year> - XX/XX/year>. I was required to pay a portion of the trip the day I booked it. {$330.00} was charged to my paypal-issued debit card, ending XXXX digits XXXX, that uses money from my paypal balance and was paid to XXXX ; the transaction ID for this is XXXX on paypal. An additional {$59.00} was paid from the same paypal debit card for the insurance policy for the stay. 

On XX/XX/year> I received an email from paypal stating that my account is permanently limited. I was not given a reason, I was not asked to clarify any of the transactions, nothing. Not the end of the world but whatever. 

On XX/XX/year> I received an email from XXXX that the host has cancelled our reservation due to water damage at their apartment. The email states that the refunds have already been issued to the card I used to book the stay in XXXX. Problem is that the paypal debit card is limited, so it can not accept the refund. 

On XXXX I made my first call to paypal asking what happens to the refund. I was told by support that they could see the {$330.00} trying to be sent to my account, but it is unclaimed in their system. I was told worst case after 30 days it would automatically be sent back to the sender. I implored them to reject it sooner so I am not without the money as I try to book new accommodations only a week before the trip. Worth mentioning prices have more than quadrupled for similar accommodations and continue to rise as we get closer. 

I called daily to XXXX stating that paypal will not claim the refund. XXXX says they can not do anything until paypal rejects it and then they can get it to me via a different card. On the flip side, the insurance company I had to pay the {$59.00} from the same debit card also tried to issue me my refund. Due to it not being accepted by paypal they have since mailed me a check. 

I called paypal again on XXXX and talked to support for awhile. I was confirmed to that my account is permanently limited. He could not pull up anything to help see what the reasons were. After looking he told me that XXXX ) yes the standard policy for unclaimed funds is an automatic reversal to the sender after 30 days BUT XXXX ) because my account has no notes on it that they will not do the reversal for 180 days after the XXXX, the day the limitation went into place. 

So now, I am out my refund of {$330.00} because paypal will not reject the refund attempt to XXXX. 

At this point I do not care about getting my access to my paypal back. I am most worried about getting the money back as soon as possible. Holding funds for 180 days that are a refund should be a crime. And support does nothing but pass the buck and state they can not share specific details due to security.
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC (MI)

Rocket Mortgage XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX confirm that upon your investigation you discovered that Since XX/XX/XXXX to present I am the sole owner or your finding in writing. 

On XX/XX/XXXX at XXXX I received a call from XXXX XXXX or XXXX XXXXXXXX XXXX we spoke XXXX minutes and she said WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

XXXX XXXX XXXX XXXXXXXX from XXXX here on an visa and on XX/XX/XXXX confirmed to me by XXXX XXXX XXXX identity theft department " HE STOLE YOUR IDENTITY '' and I am gon na take care of this for you. He assigned XXXX for the XXXX amount XXXX and XXXX XXXX also used XXXX XXXX my last name cash XXXX escrow account checks in my name and XXXX XXXX assign to detective XXXX XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington has been applying credit card payments to the lowest interest rate balances on my credit card in violation of the XXXX CARD act. The CARD act explicitly states that overpayments must be applied to the highest interest rate balances first. It does not grant any exceptions.

I have attempted to resolve this with Huntington on numerous occasions but they continue to insist their terms of service override federal law.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/year> XXXX. XXXX XXXX ( Bank ) XX/XX/year> XXXX. XXXX XXXX ( Bank ) XX/XX/year> 2024
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

American express has a program called " Amex Offers. '' On or around XX/XX/XXXX of this year I enrolled in an offer for a 50 % statement credit on purchases made with XXXX, up to {$1000.00}. The terms follow below. Around the XXXX of that month I contacted bank to ask about a purchase with XXXX  which posted and never got the credit. They advised that the credit would be issued XXXX weeks after the end of the offer period which is XXXX XXXX XXXX. I accepted this assurance and continued shipping with XXXX in spite of their higher prices, expecting to receive a 50 % rebate. 

The offer period ended and the credit was never issued. I contacted bank several times and was given several different reason why the purchases didnt qualify for the credit per the terms. 

Once I was told only XXXX XXXX XXXX are eligible ; this is a corporate card. That is false. 
Another time I was told that per the terms XXXX XXXX is excluded and I shipped with XXXX XXXX. This too is false. All the shipments were XXXX XXXX or XXXX XXXX which are specifically included. 
A XXXX  time I was told that Bill Payments to XXXX are excluded. In truth, the terms specifically include that : " Offer valid on qualifying shipments paid for [ ... ] or billed to a XXXX XXXX account that is linked to your Business Card. These shipments were billed to my XXXX  account which is linked to my card.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX they also have records on files that are wrong. The following address are not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE SEND MY NEW UPDATED CREDIT REPORT TO ME.
Consumer complaint received 2021-07-22
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. (MI)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX  XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC (CA)

In XXXX, I Authorized Bestegg to make direct payments to consolidate my own personal accounts. The accounts I authorized were XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Best egg did not payout the entire amount borrowed as agreed. The XXXX XXXX account was not paid nor was that portion deposited to my personal account. Ive made XXXX payments even though Bestegg has not direct paid all the funds. 

I called Bestegg to resolve the issue, I documented the calls on XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX, Ive documented. Representatives from the Bestegg Escalation department, XXXX, XXXX and XXXX on different calls, indicated there was a mistake and the funds earmarked for my payout was paid to another account, not belonging to me, not authorized by me. Not my mistake! 
I was assured Bestegg would contact the funding bank and have the funds pulled back and sent to me directly or paid in my XXXX XXXX account as agreed. As of today, Bestegg has not paid out the portion earmarked for my XXXX XXXX account and are not offering any solution in addition to charging me the full amount plus interest! Bestegg has made their mistake my problem and Im paying for it!!!
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Usaa closed my checking do no funding. I currently have auto life home checking bad savings. I have had numerous problems with them. XXXX hey failed. To provide me whit info due to their system going down everytime I asked this less. Me to loose case. Also thg hold or stop my card when Im at a store due to funds they say I owe. They failed to complete butual death benefits. Violation of privacy by sharing consumer information wit others before sending me any documents to address situation or add on this website or have. Correct documentation. 

Thank hi
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

My account was originally with the department of education. It was moved to Mohela when the pandemic hit. It was then transferred back to the department of education. I paid the balance in full to department of education. The department of education sent me a letter stating that my account is closed and paid. They reported that information to the credit bureaus. Mohela turned around and reported that it was open. I called them and asked them to report it to all credit bureaus as closed. They said they did and that was a lie. Please help me to get them to report that my account is paid in full and ask them to notify the credit bureaus. Thank you.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo continued to report a mortgage as current for years after the mortgage had been transferred to another company in 2011. I suffered credit denial for years without understanding why. They fixed this error years later after I reported the error, but never compensated me. I am sure they benefited from the outstanding balance. However it reduced my borrowing and refinancing power. I feel I was affected and should have been a party to the current settlement.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.