davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MN)

The financial Institution is - Synchrony. They offer a Credit Card Service for Retailers.

They hold your account hostage, and misrepresent their Services.

Their website states that payments will take 48 hours to process, however I made a payment on XXXX XXXX, that I am told, will not clear the account until XXXX XX/XX/2022. Nine Days, and the money has been taken from my bank account. The Web Site reflects that the Payment is Complete.

There are Pending Transactions, that have completed, and their are Pending Transactions that they have declined.

I am enclosing a screen shot of my account to allow the agency to fully see my frustration.

I do not know what exactly they will or will not charge me.

Below is a screen shot of my account online - I have charges that have completed that are duplicate in the Pending Transactions, each time a charge is declined it is also in the Pending Transactions.

This Financial Institution is a Mess!

( From My Online Account ) Pending Transactions These transactions have not posted yet. Once they post, you'll see more details. 

Sort by : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$91.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$6800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX {$6800.00}
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (GA)

Experian is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Ive had several transactions disputes due to another company ( XXXX ) debiting my account after I revoked authorization. USAA dispute department walked me through steps via phone and I requested stop payment on future transactions- it didnt work. 

Then Im notified dispute credits will be reversed. I make XXXX each week and the reversal amount to XXXX this week. I have tried multiple time to discuss with USAA live representative and I was told yesterday that request to pause or move date of reversal was submitted ; I woke up to discover the reversal occurred and my account is over drawn. I have no gas, no food, and will be stuck in XXXX Tx.
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Deinde Online Services, LLC (AR)

Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/year> and have several times since. They have not sent me information of the debt owed and they still give inaccurate information to XXXX XXXX.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One issued a card that was opened in my name that I did not authorize. This card was opened fraudulently by a relative and they even made payments from one of my accounts. This has caused my credit to be ruined and lost business opportunities. This is unacceptable Account # XXXX
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

On XX/XX/2023 ( over a year ago ), the consolidation process of my 6 original loans into one new consolidation loan was finalized, and Aidvantage was no longer supposed to be my student loan servicer, because I had selected XXXX as my new student loan servicer during the loan consolidation application. However, despite correctly listing the balance of my XXXX original loans as {$0.00}, Aidvantage has repeatedly refused to close my XXXX original loan accounts, and has also refused to issue me an official paid in full form. When I log into my Aidvantage account, my XXXX original loans have a balance of {$0.00}, but their " end date '' is listed as XXXX, their status is listed as " consolidated '' instead of the correct " Paid in Full by consolidation '' and the payment plan is listed as " Paid in Full '' ( the problem is that there is no such thing as a payment plan called " Paid in Full '', because " Paid in Full '' is a loan status that Aidvantage refuses to apply to my XXXX original loans in their internal system. I will provide the screenshots for that ). XXXX successfully received my new consolidation loan on XX/XX/2023 and I have never missed a payment. The StudentAid.gov FSA complaints office has been ignoring my case for 6 months now. The case number for the StudentAid.gov complaint that I filed in XXXXXXXX XXXX XXXX is XXXX. The Student aid.gov office has repeatedly refused to escalate my case to their Ombudsman office, and this is the reason why I'm contacting the Consumer Financial Protection Bureau.
Consumer complaint received 2021-03-19
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. (TX)

U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; XXXX internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable
Consumer complaint received 2021-03-19
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)

U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable
Consumer complaint received 2020-03-15
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I checked my credit report and notice that there are two collection agency calling for same amount. When called to let them know I do not owe thos debt both wakefield and associates and revenue recovery are the same company with different names on my credit report. Today I am now served being sued by the original creditor for {$380.00}. Who do I pay? how is debt now {$1100.00} ( XXXXx3 ). If I pay both collection agency as well as creditor. This is against the law. I have now lost a total of 60 points on my credit report for a debt I do not owe.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Derogatory pymt reporting on XXXX XXXX and XXXX XXXX. Payments sent on time. Due to unknown payment increase, Citizens returned a Bank check and I was forced to receive it and get it reissued. I sent several excess payments between XXXX XXXX, exceeding new payment. Coincidentally, I was never late the exact year before of XXXX, XXXX. Loan had just been established XXXX, XXXX. Below are the incorrect reporting. 

Your Dispute Results Investigation Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Your Investigation Results INVESTIGATION RESULTS- DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed.

We investigated the information you disputed and updated : Date Updated. Here is how this item appears on your credit report following our investigation. 

CITIZENS ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details Account Details Payment Status Pay Status Current ; Paid or Paying as Agreed Terms {$830.00} per month, paid Monthly for XXXX  months Mortgage Info XXXX XXXX ID XXXX XXXX Acct # XXXX Last Payment Date XXXX. Again incorrect. Citizens is setup as auto send payment by my bank to be received by XXXX of each month. 
Payment History Rating XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXUnknown ( unknown payment increase ) in XXXX XXXX. Bank check returned to me by Citizens. Forcing me to return check to XXXX and requesting reissuance. I began making payment increase and excess payments to avoid negative reporting. Because of overpayment, Citizens refunded me XXXX XXXX in XXXX, XXXX. 
XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXX XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX Unknown- No late payment. Loan just established XXXX XXXXFirst payment due in XXXX, XXXX. Incorrect reporting. 
XXXX XXXXCurrent XXXX XXXX-Current
Consumer complaint received 2020-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

Someone stole a balance transfer check from my mailbox and used it to write themselves 2 checks from my Southwest-Chase credit card. The checks were written to XXXX XXXX XXXX. The first check, went through and had taken {$860.00} out of my account, plus a {$34.00} transition fee. Once I saw this activity, I called Chase to get this taken care of. They gave me my money back, cancelled my card and got me a new one. About 2 weeks later, I received a letter saying I recently wrote a check to XXXX XXXX for {$1300.00}, which was declined, since I blocked my account. In total, XXXX XXXX tried taking {$2100.00} from my credit card plus any transactions fees that could occur.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2021-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

During my stay at two communities, one in XXXX XXXX and one at XXXX, XXXX, I was incorrectly charged for services. I was charged when I was " evicted '' however, mail was received there, and never given ; due to XXXX agendas. 

When I left XXXX at XXXX XXXX XXXX it was due to XXXX related injuries. While away another student, XXXX XXXX occupied that unit. Both of us are XXXX males and look similar. When I left the community I told the Dean and a student whose family owned the property why I left. The Dean ignored my request, due to XXXX and the student said her family would take care of it. 

After I left, I was billed, repeatedly from the same community which is also the owner, or business agent of the XXXX XXXX location. However, XXXX used the wrong name and background information to claim the same bills on the same account. I was then " evicted '' however, each time I returned for XXXX gifts to myself I was denied access to the unit. 

Additionally, I attempted to begin multiple businesses at my XXXX residence through the community and a car dealer. In both instances I was denied for an unexplained reason. I assume it was due to XXXX and race, but when I submitted the complaint to the XXXX, XXXX XXXX XXXX, led my XXXX XXXX, and other institutional agencioes, my investigation requests were denied. 

Per 1L contract law, the contract drafter is responsible for faults in contracts. Just like debt collection. Therefore, I can't be held responsible for an incorrect name, an incorrect credit grant, and lies or cover-ups to get payment for services inadequately rendered. In XXXX I said I needed a quiet community for work, there was loud construction daily. Nuisance related to XXXX. In XXXX, I wasn't even there, due to XXXX, therefore, XXXX, who data breached my information, per an XXXX credit check, can not, must not and shall not continue to charge me for inadequate information. However, each time I need a car or access to new credit these histories show up and damage my credit further on each pull. 

The only proper action in all these instances of leaks, lies, and deception on the parts of the agencies, actors, and quasi-governmental institutions is to remove any and all instances or admit fault in investigation. 

Regardless, I tried at least 5 times with each one for resolution to their imposed lies and deceit. Most recently, with XXXX yesterday morning, and I don't go back to XXXX because each time they tend to call the police. 

Remove these and all faults tied to it. Its the only plausible and equitable solution, short a suit under the FCRA, ADA, and Bill of Rights.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (VA)

I went to XXXX on XXXX XXXX ( XX/XX/XXXX ) to make some purchases. Among the purchases was a pair of pants ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : XXXX XXXX, Cashier : XXXX ) that totaled {$45.00} after discounts ( XXXX XXXX XXXX XXXX XXXX ) that ended up being the incorrect size. 

I returned to XXXX on XX/XX/XXXX to return the pants, and the employee, XXXX, told me that they did not have the pants in stock in the correct size, but she could order them for me. I agreed to order the pants in the correct size, and they were for the same amount, {$45.00} ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : House, Cashier : XXXX ). 

The pants never came. At a later time in XXXX I think, I received a notice by mail indicating that the pants would not be coming. Since I was already charged for them on the XX/XX/XXXX receipt, I went to the store to get a refund. The employee stated that a refund for the pants would automatically be forthcoming because the way their system works is when there is an order that can not be fulfilled there is an automatic discount. Unfortunately, the employee kept the notice I received by mail so I no longer have a copy of it. 

I received a credit card bill that included the amount of the pants that I already knew I would not received because I had received the notice to that effect. I called the XXXX credit card helpline because I was unwilling to pay for pants that I would not receive and, which XXXX staff had already told me I would be receiving a refund for. The credit card department said that there was something strange with the transaction and that all they could do at that time to prevent me from having to pay for the pants at the time my periodic bill was due was to dispute the charge, which I did. 

I received a letter on XX/XX/XXXX informing me that the credit card issuing company, Comenity Bank was in receipt of my dispute, and that they would process it in accordance with their policies. On XX/XX/XXXX, I received a letter informing me that the result of the investigation was that I had never been charged for the pants, and, as a result, I was not due any credit for the charge. I have since been billed in the amount of {$45.00} for a pair of pants that I never received, and it is obvious just by looking at the receipt dated XX/XX/XXXX that I was charged, so the letter Comenity Bank sent me dated XX/XX/XXXX has clear factual misstatements therein.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a new credit card for my small business because they offered a {$500.00} bonus if I spent {$4500.00} by a specific time. 
They sent me an an advertisement email on XX/XX/XXXX that stated all I needed to spend was an additional {$1300.00} to earn the {$500.00} bonus. I spent {$1600.00}, but they said I didn't qualify because I had some returns in XXXX. Nowhere on the advertisement email does it state that refunds hadn't been calculated in the amount. 

I feel this is a very deceptive practice so I closed out my account when they wouldn't honor the {$500.00} bonus promised in the email. Had they stated a different figure I could have made additional purchases to reach the figure since it was only a couple XXXX dollars more.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Problems with this company started once loan mortgage was transferred to Select Portfolio. I was paying but loan amount never showed decreased. Contacted by XXXX  who said they saw payments were being made but amount of loan remained the same. I did have issue with a missed payment in XX/XX/XXXX, but would pay extra money each month to get caught up. They didnt break up the payments. I have always paid couple of XXXX XXXX  extra each month which should have gone into escrow but I guess they applied to mortgage. Now they say I am missing a payment in which after I had notified them that this account was closed they kept auto billing this bank. I had new bank forward those payments to them. On one occasion they their continuous auto pay to prior bank they paid amount of that billing. 

I have bank records showing payments. 

I can not talk to them because I get very frustrated because each customer service person gives me a different reason and dates/year. 

When loan was transferred from previous mortgagor I had gotten a modification. Since then my mortgage has doubled that. 

I have copies of mortgage payments made by bank from XXXX.