davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

Received a notification my credit rating dropped on XX/XX/2023. When checking, Synerprise Consulting hit my credit report with a collection. I called Synerprise Consulting and asked what this was about. The woman I spoke to said she would immediately send information and details of the alleged debt. No information has been shared and Synerprise Consulting has reported this negative collection again. I have sent Synerprise Consulting to the complaint department as well as disputed with all credit reporting companies. I have reviewed my Wife 's and my medical accounts, XXXX, XXXX, and doctor offices and no balances are outstanding nor sent to collections. This is a false reporting by Synerprise Consulting
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  GEORGIA XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I was robbed of {$6900.00} by Bank of America with unauthorized charges and overdraft fees due to them. I would like to be reimbursed and letter of apology. I went from XX/XX/2022- XX/XX/2022 to 3 appointments inside bank, just to be led a long with the same enticing assurance that I would get a resolution within 10 business days, by 3 associates of different origin 2 females, ( Manager of bank, being 1 of 2 ) and a male. I lost my home and car due to this unfortunate incident.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

With final notice dated XX/XX/XXXX Bank of America informed me that a check issued in my favor by the bank on XX/XX/XXXX (!! ) in the amount of {$460.00} has not been presented for payment. 
This letter was sent to my old adress in XXXX and had to be forwarded to XXXX, where it arrived on XXXX XXXX. I have immediately returned it with my request to issue a new check or make a bank transfer to my account. 
During a phone call at the indicated number I was told that the check is no longer available and will be handed to the State of Florida as lost property. 
This is not acceptable as it has taken the bank more than 5 years to inform me of this check which never arrived at destination.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Please see attached file for these items I am complaining.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MI)

I purchased flooring from XXXX on XX/XX/XXXX. I signed a contract that stated my original total was {$6400.00} but I only had to pay {$5600.00} due to a discount approved by market. I made two deposits on XX/XX/XXXX ( {$580.00} and {$2200.00} ) totaling {$2800.00}. In the special instructions section on page 2 of 14 it stated that I owed {$2800.00} C.O.D. I had two different installation dates. On XX/XX/XXXX I paid {$1700.00}. On XX/XX/XXXX the customer service representative took my payment over the telephone for {$1300.00}. The next day I got a call stating that they had overcharged me and they were going to fix it and my payment of {$1300.00} would not be processed. Then the day after that I got a call stating that I owe {$1200.00} more. After several calls with an unknown representative I asked for a supervisor. XXXX XXXX called me. XXXX XXXX General Office Associate XXXX. Ms. XXXX stated that I owed {$1200.00} more over the telephone and in an email. I explained to her about the call I received as well as everything else and asked her to send me an itemized bill. Ms. XXXX then sent me an email saying I owed {$1300.00} more, she sent me a bill stating that my total order was {$4000.00} my deposit was {$2200.00} with an allowance ( discount ) of {$470.00} and I owed {$1300.00}. However, the original sales receipt stated my original total was {$6400.00} but I was being charged {$5600.00} which is a {$770.00} discount not {$470.00}. Ms. XXXX also sent an attachment showing my total was {$4000.00} with a deposit of {$2200.00}, discount of {$470.00} and balance of {$1300.00}. I informed Ms. XXXX according to the original call I received and the email that she sent me with an attachment mirroring what was she typed, I had over paid by {$390.00}. I also told her that one of my deposits made on XX/XX/XXXX for {$580.00} was not reflecting her itemized bill. Ms. XXXX never addressed that. After several calls and letters mailed to me Ms. XXXX and I couldnt come to an agreement. XXXX XXXX wanted me to send her my credit card statement but with everything that transpired I did not feel comfortable sharing my personal information with anyone at XXXX. On or around XX/XX/XXXX, I received a collection notice for {$1300.00}. This have been a living nightmare and nobody seems to care and now my credit is being jeopardized. Im not sure what my salesman or any other of the workers did with my order.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I negotiated a settlement with XXXX XXXX  and I paid that settlement. I will attach the settlement letter and the copy of the money order to cover the settlement. And the receipt of the money order by XXXX XXXX. It appears under the name XXXX XXXX. It shows in XXXX  as paid with a zero balance. In XXXX  it is showing as paid with a zero balance. 
However, it is reported incorrectly in Experian. They have refused to update and zero the balance out.
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up & running. I am not sure if this a mistake as I assume it had be. I have not been able to get help for months but I just remembered I could file a report on here as I feel they not doing they job properly and it is effecting me as a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-02-18
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. (CA)

EXCEEDED 30/60/90 DAYS VIA NO RESPONSE FROM CREDIT BUREAUS : XXXX  : USPS TRACKING NUMBER : Tracking Number : XXXX Scheduled Delivery by SATURDAY XX/XX/XXXX by XXXX USPS Tracking Plus Available Status Delivered XX/XX/XXXX at XXXX XXXX Delivered, XXXX XXXX XXXX , TX XXXX To : FRAUD DEPARTMENT, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, United States Tracking Information : Delivered : XX/XX/XXXX XXXX am EQUIFAX : USPS Tracking Number : XXXX Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX , GA XXXX. 

Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX, GA XXXX FRAUD // IDENTITY THEFT // FRAUD EMAIL // PHISHING ATTACK CAPTURING CONFIDENTIAL PERSONAL DATA. Fraud Applications And Accounts Established Via My Personal Credit Portfolio.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Synchrony/ Care Credit closed a card that could be used for medical or veterinary care. There was NO balance due on the card. It had been paid in full for many months. I kept the line/ card active so it could be used for a personal medical or veterinary emergency. 

I received a letter that said the account in good standing was CLOSED due to the risk I MAY default on it. 

The closure impacted my credit score because it was one of my oldest accounts that I paid by autopay.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo fraudulent account not charged to my account for u know credits cards and title loans and mortgage loan case of identity theft On fields deceased husband was fraud also no apooint attorney for the identity thefts on mr. XXXX & Mrs XXXX XXXX  Change of name fraud from all XXXX account at bank 's
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

On XX/XX/2020 I wrote FirstPoint Coll Resources INC or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. According to the FCRA companies furnishing data are ONLY to report accurate information. This is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/21 the balance was paid in full for {$9800.00}. The finance company refuses to update my payment in full and the account I showing as open when it should be closed and paid in full. Why is that if I miss a payment, these companies will report. But as soon as you pay your balance off in full, they fail to report it on time. And this is causing my DTI to seem high when its not if they would just update the account status.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax.

1. Company Name : XXXX Inquiry Date : XX/XX/2020 - Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

My Mortgage was used to satisfy Chase {$13.00} XXXX Settlement with Federal Government including $ XXXX for consumers since my loan is a XXXX XXXX originated in XX/XX/XXXX and all the papers were signed by the Mortgage Broker. Also Chase has another settlement with US Justice Department in XX/XX/XXXX for {$55.00} XXXX and I am minority and is part of the settlement. 

Chase send us Satisfaction of Mortgage recorded in XXXX County on XX/XX/XXXX at XXXX XXXX. Since the letter came with my wife name XXXX XXXX first she filed it. 
I am seeing the document in XX/XX/XXXX. 

Chase still continued to send bills after XX/XX/XXXX and collect monthly mortgage payments even though the mortgage was satisfied in XX/XX/XXXX. They should have closed the mortgage and stopped sending me bills
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (KY)

Credit bureaus are reporting a closed account on my credit report. The account was closed in XXXX  of last year but Im still receiving late payments for XX/XX/2021. I tried to dispute this information but it keeps showing up again and again. This drops my credit score by 20  points every time!
Consumer complaint received 2021-02-18
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: Exeter Finance, LLC. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, EXETER FINANCE CORP add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-18
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. (GA)

I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as Equifax, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Credit bureaus are reporting a closed account on my credit report. The account was closed in XXXX  of last year but Im still receiving late payments for XX/XX/2021. I tried to dispute this information but it keeps showing up again and again. This drops my credit score by 20 points every time!
Consumer complaint received 2021-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC (TX)

My accounts at.XXXX XXXX  has been hacked into and someone had managed to open a XXXX  dollar loan from lend up as I was rebuilding credit. The XXXX  went into XXXX  account where immediately XXXX  issued a XXXX  dollar loan. I filed an Ic3 report at that time and have no response. However lend up has frozen the account
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, Transunion and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAINE & WEINER COMPANY, INC. (NJ)

Hello, I am contacting you in regards to the debt collection agency Caine & Weiner. I advised them that I don't owe a debt they keep insisting that I owe a debt. After, I advised them of a dispute I had with XXXX XXXX XXXX. I also, advised the collection agency that this alleged debt was supposed to be closed via XXXX XXXX XXXX.They remove the debt for a month. Then put it back our for their reporting purposes or financial reporting purposes. They keep taking off the debt and then re adding the debt at the middle or end of the month. I spoke with a manager and tried to resolve this several times. They are reporting incorrect information and inaccurate information in regards to my credit report.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (NJ)

The week of XX/XX/2023 I received a credit declination letter from XXXX XXXX XXXX, which obtained negative and inaccurate information from Early Warning Services LLC.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (IL)

Company hired from XXXX XXXX  sent a bill to collect to my mothers house in another state that she just moved into.. they did not send directly to me and this debt was included in my chapter XXXX bankruptcy.. I called spoke w them and did not get anywhere. Tried calling XXXX and could not get through to a live person.. I contacted credit bureau to get it off credit w dispute.
Consumer complaint received 2021-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I have had an auto loan with XXXX XXXX ( it is now paid off ). In XX/XX/XXXX I submitted a payment for the XXXX & XXXX loan amounts that were due, however, due to COVID and the XXXX holidays, I did not see the check being delivered or cashed by the Bank. When I called to check on status of the check being received on XX/XX/XXXX, I was informed that the payment was not yet received and it was reported as 30-days delinquent to TransUnion. Immediately on the phone I processed a payment to bring the balance up to date, and two-days later the check was received and cashed by the Bank. 
XXXX XXXX  informed me that they were experiencing mail delivery delays due to the Holiday season and the effects of COVID 19. I asked the bank to remove the delinquent reporting since it negatively affected my credit score, and a dispute was initiate ( dispute # XXXX ). In XX/XX/XXXX, I received an alert from TransUnion that the negative mark on my credit report was removed, only to find out few days later that it was re-instated and again resulted in a negative impact to my credit. 

One would think that, especially during the COVID crisis, this Bank would work with its customer favorably, especially when no loan defaults occured and the Bank was 100 % made whole in a timely manner. 

Regards, -XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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. (IL)

XXXX  XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.