davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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: SYNCHRONY FINANCIAL (TX)

I am deeply frustrated with the way Synchrony Bank, under the CareCredit account, has handled my dispute regarding the prepaid medical services I purchased. Despite paying for 18 sessions upfront, I only received 2 visits before the contract was canceled with agreement from both parties. Since then, the merchant has closed down the business, but still won't process a refund for services not rendered. 

My attempts to resolve this issue through Synchrony Bank have been met with repeated closures of my disputes. They consistently side with the merchant 's false claims of attempting to contact me for a refund, despite no such efforts being made. It's evident that Synchrony 's policies unfairly favor the merchant, placing the burden on me as the consumer to provide extensive documentation while allowing the merchant to escape accountability without any proof of refund attempts or contact. 

This situation has dragged on for over four months, and I am increasingly disillusioned with Synchrony 's lack of support and protection for consumers like myself. It's clear that their policies prioritize the interests of merchants over customers, leaving me feeling neglected and taken advantage of. This is unacceptable, and I urge the Consumer Financial Protection Bureau to intervene and address these unjust practices.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

I have disputed XXXX transactions from my primary checking account to an unknown destination. I have had identity theft prior, yet the bank states that these are all valid transactions stating the reason being transfers have been made prior with no disputes. I can't dispute it if they don't allow me to dispute it. The total transactions span from XX/XX/2023 to XX/XX/2023 totaling {$1100.00}
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP (GA)

Aldridge Pite , LLP on behalf of client XXXX XXXX XXXX XXXX has my home unlawfully listed as foreclosed with a sale date of XX/XX/year>. My home does not have an active mortgage to foreclose upon. XX/XX/year> a request for Validation of Debt was made and not received. I have verified with my countys XXXX XXXX that there is not a formal notice of foreclosure, liens, or holdings on my property. Aldridge Pite , LLP listing my home as foreclosed has caused unwanted, aggressive, continuous solicitation from unknown persons refusing to identify themselves or company. The unknown individuals only state that they are working from information provided by Aldridge Pite , LLP. XX/XX/year> a XXXX & XXXX XXXX was sent and received by Aldridge Pite , LLP but the harassment continues and the foreclosure listing remains. I am now afraid for my safety and and a police report is made.
Consumer complaint received 2023-10-13
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

I have filed an previous complaint for this account with Jefferson capitol LLC in there response they were unable to verify an account that matches the information provided, I have than reached out to the original creditor of this debit, They reassured me that they have sold the debit to Jefferson capitol LLC i also have evidence to show. If still unable to verify account. Please remove account from my credit report as it is in violation of my FCRA rights as an consumer. I am Unaware of this debit, I did not have the opportunity to dispute this information. if are able to verify, I did not receive proper notification if in fact you believe you gave me proper notification, please provide the certified receipt with my signature stating that I received it.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. (DE)

On XX/XX/XXXX, Mercury notified me of a request for additional water-related documents, due to the large number of contents we replied to the email hoping to buy some time, but then received an email from Mercury about the closure of the account, and almost every day since then we have been asking about the situation by email : what caused the closure of the account? Is it possible to restore the account? If it is not possible to restore the account, is it possible to communicate about the return of the money ( about XXXX )? Unfortunately, we have not received a single reply. Due to the fact that our company is in its infancy and out of trust in Mercury, we have almost all of our funds in the account, which is very important to us, and our business is now at a standstill. It is very urgent to communicate with Mercury at the earliest possible time regarding the return of the funds, the above is my situation, thank you!
Consumer complaint received 2023-08-24
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I hereby formally request the expeditious removal of inaccurate and unauthorized information linked to identity theft from my credit report, in accordance with the Federal Trade Commission 's identity theft laws, which mandate removal within a four-day timeframe. Additionally, I request the prompt updating of my personal information. 

Account : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX  XXXX
Consumer complaint received 2023-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX an advertisement was selling an item and requested a XXXX payment {$280.00} which I sent a XXXX transfer. Then the merchant stopped communicating with me immediately after receiving funds. We contacted the bank immediately and was told we needed to wait until the funds were Withdrawn to file a complaint. Bank Of America had us wait seven days before we can file the claim, they told us it takes three days to get an answer back. Three days later, we called the next agent told the seven days, we call back seven days later that AGENT told us it is always 10 days, call back 10 days later this final agent told us the max time they have is 45 days and it hasnt been 45 days, call back after 50 days by then we received a notice from Bank Of America that our claim was denied. We never received any documentation. Each agent told us we would receive an update on what they were doing the entire time, and we never received one document concerning any updates. I called the number on the letter like it stated to receive documentation and that agent told us that was the wrong information. We now need to call a new number she provided for us to call to receive our documents pertaining to the case and claim but the request had to be faxed to Bank Of America. I did that on XX/XX/XXXX and still today XX/XX/XXXX, no documents received from Bank Of America. Now we noticed yesterday, XX/XX/XXXX the bank now with you {$140.00} from my Account for overdraft fees in my dad account because claims he filed were pending and also denied, and he was fighting that with Bank of America, but they want their overdraft fees for my dad 's account, so theyre taking funds from my account to cover their fees.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I lived in XXXX XXXX, located in XXXX  under XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. I owed them {$12000.00} and paid it off through XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I moved out on XX/XX/XXXX. I applied to XXXX  and they agreed to help with my total unpaid rent owed beginning on XX/XX/XXXX. I kept the email from XXXX  and they sent it back to me for each month 's payment details. And, XXXX XXXX received the money and told me by email. Today, I was so shocked when I received an email from COLUMBIA DEBT RECOVERY LLC DBA GENESIS saying that I still owe XXXX  XXXX {$12000.00}, and the company is assigned to collect the debt. This is nonsense. Please help me with the situation.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am providing the exact problem is the documented, I send in the document area below. I asked XXXX XXXX about the cameras. She replied, oh yeah that we can't do. I asked again and she hesitated and said I nevered said that we couldn't check, then changed the subject.it the branches cameras you will see what happened and really the problem will get solve. Please email me with any confirmation because on my last complaint someone closed the case without really doing any research again. Thanks XXXX
Consumer complaint received 2023-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC (GA)

In XX/XX/XXXX, I filed for bankruptcy, and BMG was one of the creditors listed with an outstanding amount of {$6600.00}. Fast forward to XX/XX/XXXX, when I tried to refinance my mortgage, I was informed that BMG still had the account marked as in collections. This persistent problem involves the company reporting my account as in collections, even though it had been discharged.
Consumer complaint received 2024-01-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

ACCOUNT ENDING XXXX Please be advised that I have made advance payments every month on the account more than the minimum payment due. I was on paperless billing and did not realize that my payments did not reflect during the billing cycle. I was charged late fee for the following months : XXXX  {$30.00} XXXX  {$34.00} XXXX {$39.00} I am requesting that you waive these fees. 

In addition, I overpaid {$150.00}, I am requesting that you return the credit balance.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a notification by TranUnion that an account was open on XX/XX/XXXX by XXXX XXXX XXXX a Debt Collector. I called the company and asked about the account that showed up on my credit report from TranUnion. I was advised that this accounts were open in XXXX with a company called XXXX. I never open this account in XXXX. I filed a dispute with XXXX, which it was DELETED. I also filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report and replace my CREDIT SCORE that was taken away, due to this FRAUDULENT REPORTING. 

XXXX ) {$6800.00}
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I filed a dispute for a charge, in which I was scammed for {$450.00} on a digital purchase. XXXX Barclays accepted doctored evidence from the merchant and closed the case. 

On XX/XX/2023. I faxed evidence that the merchant scammed me, and they provided doctored evidence, and the case was re-opened. 

While the case is now re-opened and investigated, I noticed they are charging me interest on the disputed balance. Also, if I do not pay the minimum they will charge a late fee, and report this to the credit bureau. 

I called their support on XX/XX/2023 and spoke to the general support, dispute specialist, and account specialist. They confirmed the dispute has been re-opened and the investigation is ongoing but the charge is still on my account and that I need to keep paying the minimum and incur the interest charges, and it will be removed if I win the current dispute. 

I explained to them pursuant to the CFPB I can not incur fees on a billing dispute I've given written notice for, and that is open and being investigated. They offered no help and said there is nothing they could do. I will incur fees, and if I do not pay at least the minimum I will be charged late fees as well as then report the missed payments. I have this call recorded and can supply it.
Consumer complaint received 2023-05-23
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. (NY)

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 complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

I deposit the check of the sum of {$91000.00} on the XXXX of XX/XX/2023 and it was said to be available in 7days time Only for my to try to login my account today and it says my online access have been locked And the check I deposit have been withdrawn, the whole {$91000.00} was withdrawn Please I need details on whom withdraw my money and I want my money back
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX date XXXX XXXX. 
late payment reported showing on XXXX and TransUnion this is inaccurate and must be fixed immediately. 
accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written istructions 5 U.S.C 1666B : 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 2023-08-24
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. (TX)

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 complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding got a default judgment against me XX/XX/2019, for an unknown debt. 

Four years later, with no notification and without giving me the legally required time to make a payment in lieu of garnishment, they sent a garnishment notice to my employer. 

I received nothing at all from Midland in four years regarding this debt, so I assumed it was paid off. 

I have no idea what it's even for. It is not even on any of my credit reports. 

This is going to leave me unable to pay my basic living expenses. 

They additionally added an extra almost {$400.00} to the judgment amount, without explanation.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-06
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. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, Transunion, and XXXX to reinvestigate the following accounts : name : XXXX XXXX XXXX account # XXXX name : XXXX, account # XXXX name : XXXX XXXX XXXX, account # : XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX, name : XXXX XXXX XXXX , account # XXXX name : XXXX funding, account XXXX XXXX name : DEPT OF ED/XXXX, account # XXXX XXXX name : DEPT OF ED/XXXX, account # XXXX XXXX  The following hard inquiries : name : XXXX XXXX  date : XX/XX/XXXX The following soft inquiries 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 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 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 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 XXXXXX/XX/XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 data is inaccurate.