davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX an account was opened with XXXX XXXXSYNCB to finance gutter replacement on my home for {$7900.00}. On XX/XX/XXXX the installation took place & was completed, immediately there were issues with the work. I contacted XXXX of XXXX directly beginning in XX/XX/XXXX to have the numerous issues resolved, including damage to my property, my calls went unanswered. In XX/XX/XXXX I did receive a call from XXXX of XXXX in which they stated they were on their way to my home to fix the gutters, no one showed up or called to state they would not be coming. I called XXXX multiple times after this with no resolution & in XX/XX/XXXX informed them, I would be having their gutters removed & they could come pick them up. It became clear that I would not receive resolution with the company directly. 
In XX/XX/XXXX after having made payments to XXXXSYNCB XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I contacted Synchrony directly in XX/XX/XXXX to dispute this transaction with the credit card company. Since then, Synchrony has done nothing on my behalf to aid in the dispute of this transaction. Synchrony has stated in their claim denial letter that the merchant is working in good faith and has been in contact with you regarding your concerns and Synchrony Bank can not judge the comfort level of purchased merchandise. I have reasserted this dispute with Synchrony In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX of XXXX has not worked with me in any capacity, certainly not in good faith, nor has Synchrony bank. Overall this complete process in hindsight has felt like a scam, with XXXX and Synchrony working together to defraud consumers. 
I am submitting this complaint to the CPFB, the NY State Attorney General and will also provide a copy to XXXX of XXXX and XXXX/SNYCB.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX lease account # XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease extension on my XXXXXXXX XXXX Document attached All payments were made and up to date. 
On Sun XX/XX/XXXX in the middle of the night XXXX incorrectly repossessed my vehicle. 
I reported it as stolen and was later notified it was at a car auction in NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX took me to court for mileage and damages. 

It's pretty obvious that the judge ruled in my favor. Document attached. 

Please please help me! XXXX continues to report inaccurate information to XXXX, XXXX XXXX Experian. I have spent months disputing this with the credit bureaus XXXX XXXX has refused to remove this negative information from my reports. 
I was denied housing due to this negative information. 

I need XXXX to remove all incorrect, damaging information from my credit reports. 

Thank You!!!!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXXXXXX has unpaid debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I have sent a letter to early warning and XXXX XXXX  XXXX themselves asking for this negative mark to be removed that I dont owe.
Consumer complaint received 2023-05-05
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: DISCOVER BANK (CA)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-12-18
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: BOEING EMPLOYEES CREDIT UNION (IL)

On XX/XX/2017 XXXX XXXX withdrew $XXXX from my acct at BECU after I used my debit card to sign up for a free one month trial that  I immediately canceled. 	 	From my BECU statement:
XXXX  POS Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Card Ending In XXXX	$XXXX	

This is the second time they have fraudulently charged me. And they have since, charged me the same amount every month in spite of:
1) I have asked BECU to block their access to my account.
2) XXXX acknowledges that I have never purchased anything or agreed to be charged for anything by them:
"email ----
from:	XXXX XXXX 
reply-to:	XXXX XXXX 
to:	XXXX
date:	Tue, XXXX XXXX, 2017 at XXXX XXXX
subject:	RE: [CASE:XXXX] Fraud
mailed-by:	XXXX
signed-by:	XXXX
security:	 Standard encryption (XXXX) Learn more
:	Important according to our magic sauce.
XXXX XXXX 
XX/XX/XXXX

to me

Hi XXXX,

Thank you for contacting XXXX Customer Care.

We understand that you have not purchased anything from our website and still your bank account is charged for $XXXX.

We have checked your account XXXX and unable to find any charges under your account. Hence we request you to let us know if you have any other registered email address with us so that we can investigate it further and help you better.

Please mention the case # XXXX in your future correspondence with regards to this query.

Regards,

XXXX XXXX

Customer Relations XXXX XXXX XXXX 

XXXX
This overseas company illegally withdraws and refuses to stop or acknowledge my attempts to contact them and my bank, BECU, aids them in this blatant theft. BECU refuses to stop this action in spite of numerous requests.
Consumer complaint received 2023-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (MD)

Upon filing for a bankruptcy ten years ago, I was informed that the second lien on my home with Mr. Cooper was part of the bankruptcy process and that I was not responsible for the debt. The debt was with Mr. Cooper and after calling their answering service, stated such, " that the loan was no longer my responsibility ''. Then a year ago, Mr. Cooper informed me that I was responsible for the loan and it was long past due. As I did not have the funds to pay, I applied for a HAF loan with the state of Maryland, as it was less than {$20000.00}, and during the pandemic I could not afford to make payments. The loan was approved and HAF made the payoff amount of {$18000.00}. Statements emailed to me progressively showed the loan being paid to a - {$160.00}. I spoke with a XXXX XXXX who verified the loan was taken care of. Then on XX/XX/XXXX XXXX I received a phone call from a representative at Mr. Cooper informing me if they did not receive {$2800.00} from me by XX/XX/, the HAF funds would be returned and evidently my house would be in default. The representative kept asking me if I was still in the house, even though I have a first mortgage that I have never missed a payment on. I feel I'm being harassed by Mr. Cooper.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to express my disappointment with the inaccurate credit reporting done by American Express. This reporting has severely damaged my current financial situation. I noticed a new account for American Express on my credit report that I did not open. I immediately sent a notice to American Express, requesting them to validate the debt and remove it from my credit report. These requests were sent certified mail tracking number XXXX XXXX XXXX XXXX XXXX. Despite these efforts to resolve this issue, American Express has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit. I am requesting that American Express immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letters they sent to the credit bureaus. If American Express does not take any action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I was texted by Wells Fargo bank that a scheduled withdrawal of {$3500.00} was going to come out of my account they said say yes or no if this was you I texted back, No. the banker from Wells Fargo called me and said that we need to transfer your money over to a new account so that you dont have an overdraft. My account balance is XXXX so he took that XXXX and deposited it into a new account. The banker who called me ended up being a scammer and he took my {$2700.00}.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/XXXX, I woke up to my car missing. I called XXXX, and they told me it was repossessed. 

Billing Summary : Payment Amount : XXXX USD Payment Fees : + XXXX USD XXXX XXXX Payment Summary : Payment Amount : XXXX which includes a {$600.00} tow fee from XXXX, an hour away from my residency. I would also like to state that my car smelled like cigarettes after picking it up from the impound lot, and I had to get it detailed. 

After I was told that I missed the XXXX payment, and that the late fees incurred equaled total payments, not just late fees, I paid the XXXX bill in XXXX to catch up on one month. Every month was always paid since, and I have my bank statements to prove this. I was also told not to pay XXXX 's bill that was coming out of my account the very day that my car was repossessed. I have taken ownership of this automobile and have always paid the payment, whether a week late, but by the end of every month, except for the XXXX payment, which was paid a week later. 

I'm reaching out about my car being repossessed since claiming ownership in XXXX of XXXX. After starting my new job in XXXX of XXXX, my company pays twice a month. I started late in the weekly cycle and was not able to pay my bill on time until I was on a pay cycle. I automatically set payments to come out of my bank account and never knew about these late fees. I want to stress that since I've taken ownership of this automobile, I stress highly on making sure bills are paid.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

Around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by clone company of XXXX involved me in making deposits for a total amount of XXXX XXXX ( XXXX EUR ) from my Kraken account to a fraudulent firm. 

I asked Kraken to refund this scam but they refused saying they are not in a position to evaluate whether I was genuinely defrauded.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

First incident : Chase account was reported twice for the overdue balance/closed account. Once in XXXX and recently. 

XXXX closed my account ( XX/XX/XXXX ) while having me on a payment plan to pay off the account and never notified me of the closure. They claimed they sent mail to my home but I have opted out of paper mail, and never received an email or app alert telling me it was closing, just that I had monthly payments due.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (MI)

I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

The Biden Administration just decided to discharge loans for students who enrolled at any XXXX XXXX campus on or after XXXX XXXX, XXXX through XXXX XXXX, XXXX. I enrolled in XXXX XXXX and continued until XXXX and suffered the same predatory lending and manipulations from XXXX XXXXXXXX XXXX. I deserve the have these loans discharged just as much as someone who enrolled years later.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

So I sent a letter off on XXXX XXXX t remove personal information that I don't not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy also according to 15 usc 6802. No finacial institution is not suppose to share my information to third party people.

THESE ARE CLEAR VIOLATIONS IF MY FEDERALLY PROTECTED RIGHTS
Consumer complaint received 2023-10-20
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 (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my client paid me for a session via PayPal. The session was rendered and the service provided. Following the session, my client paid me ( {$400.00} for the session fee and a {$60.00} tip to cover gas/travel ) and when I logged into my PayPal account I see that the amount is in hold. PayPal charged me their fees of {$16.00} ( robbery ) and then held the remainder stating that because I did not regularly do 10 transactions a month they have the right to hold my funds for XXXX XXXX XXXX I depend on payment to cover things like travel to/from sessions, pay for the things I may have used/equipment rented etc. On my Paypal dashboard it gave me ways to get paid faster such as updating my contact info, adding my ssn, etc. I have since completed ALL of the requested items yet am still being told that because my account is " new '' my funds will be held to protect PayPal against chargebacks etc. The client has paid, she tipped me {$60.00} and she received the service. There is no risk to a chargeback. I am due my funds and PayPal has no viable reason to hold my money. This is putting my family in a financial strain as I can't meet my obligations and run my business. Why would anyone continue to do business with a company that oversteps such boundaries? I am a photographer and not all of my clients pay via PayPal- some write checks, some pay cash - I am never guaranteed to make 10 transactions via PayPal a month to meet the standards of what they are considering a " trusted seller ''. This is largely unethical and all I want is my money and then I will remove PayPal from my website and cease to business with them again.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

I am enrolled in the SAVE plan according to my MOHELA online account. I am a medical resident with an annual salary of approximately {$70000.00}. MOHELA is telling me that my loan payments are due to restart at {$4400.00} per MONTH, which is higher than my monthly take-home pay. They do not have an explanation for how this was calculated, and their only solution is to place my loans into forbearance until they can re- enroll me into the SAVE plan - this will cause me to become at least 2 months delayed toward my Public Service Loan Forgiveness , which will cost me thousands of dollars in the future. This is absolutely unacceptable and irresponsible.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX Southwest credit syte XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I received letters from the company saying an account was open under my name As well as a credit check and the account shows up on my credit report and it affected my credit. I took action and called the company they told me they would close the account. A year latter and it still shows up on my credit report.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (FL)

When I purchased my home in 2021 I was never provided loan payment options from the title company. After moving into the home I called my mortgage company cross country mortgage, and requested split payments be setup. To do so it required a {$150.00} process fee and an additional months rent up front. During this difficult process of setting up the split payment I missed a couple payments due to the fact it was never clear on when the automatic payments took effect or an easy way to setup. I just received notice XXXX XXXX years later that my automatic payments are being cancelled.