davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
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: SYNCHRONY FINANCIAL (OH)

I placed an order with XXXX on XX/XX/XXXX for the same as cash for total of {$2600.00} so an account with Synchrony was open. Delivery was to be made on XX/XX/XXXX. On that day only part of the order was delivered due to items damaged and /or missing. I called to follow up on the order after many calls. I received my first bill for the order, and it was for {$2700.00} which was incorrect. I then called XXXX due to the incorrect bill and not having all my order. XXXX did adjust the delivery fee of $ XXXX due to not getting all my order. Over time I continue to reach out to XXXX so see about my order with no response until XX/XX/XXXX I made a post on XXXX in which XXXX then contacted me. I was then able to reach someone at Synchrony how open a dispute and I was told no payment needed to be made at this time. I was told that XXXX should not have charged me for items that I did not get but that was not the case. After going back and forth with Synchrony I paid for only the items I received on XX/XX/XXXX. Synchrony did adj the total to the correct amount of order. I then received notices about late fees and explained I was not paying for items I had not received. Plus while the dispute was open with Synchrony they state on their letter that if you have disputed this debt, please disregard this letter. I then contacted credit bureaus to dispute but Synchrony stated they did nothing wrong. I received the rest of my order over a year later, on XX/XX/XXXX and made payment in full. I continue to dispute the late fees and they continue to report information is correct. On XX/XX/XXXX I received the first refund of late fees on statement for ( {$730.00} ), second refund of late fees on statement dated XX/XX/XXXX ( {$350.00} ) and the last refund of late fees on statement dated XX/XX/XXXX ( {$54.00} ). They admit no wrong saying they can refund late fees but did not have to correct the reporting to the credit bureaus as they would get in trouble for incorrect reporting. I need the payment history corrected on my reports due to not only errors may by XXXX for taking over a year to get my order yet being charged on XX/XX/XXXX. Synchrony not looking into the dispute properly at the time I request them to review and for not fixing the incorrect reporting to the bureaus. Now over the past 3 years they have found errors after telling me there were none. They don't mind giving me the refund for late fees years later but don't want to acknowledge their error because they could get in trouble with no regard to how this impacts my credit. I even tried contacting the XXXX, but they believed what Synchrony stated so nothing was done.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2021-07-06
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. (CA)

An account was obtained via fraud, someone used my personal information without my consent to obtain an auto loan through XXXX XXXX. However, that account was to be removed from all of my personal credit files, XXXX  and XXXX  both adhere to the request after a thorough investigation. However, Equifax has chosen to continue reporting this account. That said, due to this inaccuracy listed in my Equifax file, I have suffered multiple adverse actions in lending and employment, which have caused me tremendous financial hardship. 

In addition to my complaint, XXXX XXXX has violated the law and is not in line with the Fair Debt Collection Practices Act. The original creditor continues to report the account to Equifax but sold the account to a third-party collection agency that is reporting the debt. 

I am contacting this agency hoping that a solution is rendered regarding my Equifax credit file 's inaccuracy.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received my Amex Serve card prior to the COVID stimulus check was sent, and had not activated it. When I heard checks were going out soon, I attempted to activate the card and was subsequently locked out of my account " for security '' purposes. I kept being directed on their website to call their automated service to activate my card. Nowhere in the automated menus is an option to activate my card and I spent over 1.5 hours on hold trying to reach a human one evening. Now when I call they are simply rejecting new calls and hanging up. I have no way of accessing my account information without first activating the card, even though I have already set up an American Express Serve account and don't want to use the card. I just want to transfer my money to my actual bank account.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account XXXX XXXX XXXX XXXX XXXX They are reporting a payment late on my cosumers report between me and this creditor. 
The bureaus have violated my rights. I have the right to privacy and a creditor may  not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is against the law and violating my rights. 

I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Consumer complaint received 2020-04-16
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}
Consumer complaint received 2020-04-16
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This is going to be kinda vague. I do have XXXX and XXXX. I have a big problem with the financial company I'm using due to my XXXX. To ask simple generic questions is talking over an hour. Before I got coupon book I asked once I make payment if I wanted to pay extra what would I do. I could never get an answer because of protocol. I've asked for help understanding things an they seem not to be able to stay on subjest. I call to set up auto pay and they refused to help me because they wanted me to make a payment first. The account wasn't past due. With my XXXX I usually have to practice how I want to do! Hi ngs if you make me change it won't work. 
I've even had staff make comments about my XXXX. One person stated she knew someone with XXXX and based on that determined I didn't need help that I was just wanting to cause trouble.
Consumer complaint received 2020-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2020 my credit report was pulled without my consent as an attempt to open an account under Bank of America. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Bank of America On more than one occasion they could not assist with resolving this matter.
Consumer complaint received 2020-04-16
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. (CA)

For the past 6 months I have disputed inquiries, late payments that show for 2 XXXX accounts & XXXX XXXX  as well as XXXX XXXX which shows as a reposession when it was in fact a paid off loan. I have also disputed XXXX collections with XXXX several of which were made by other adults and yet have linked to my credit profile. I have have zero resolve from the credit report agencies as these items remain on my report and are drastically affecting my credit score and affecting my loan approval. Additionally there is a collection with XXXX that has been paid and creditor agreed to delete that is still reporting. Please help
Consumer complaint received 2020-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union (OR)

I was updating my payment for an XXXX XXXX payment to pay from my checking account from First Tech Federal Credit union on XXXX. I set up a payment for {$130.00}. The account was supposed to pay from a checking account. XXXX XXXX, IMMEDIATELY notified me that the account had an error, and upon checking the account numbers I realized a no-balance savings account for First Tech had been linked. XXXX  instructed me to reach First Tech and place a block on the payment. I called First Tech immediately. Long hold times, no answer. I then went to secure messaging on my profile to advise of the error and asked for help on XXXX in blocking the payments for the account in error. The replies were " It is not our fault. '' Sorry the fees won't be reversed. I continued to call multiple times, send more messages on online messaging, to be told that " It's not our fault XXXX tried to pull payments, the fees are valid ''. See attached messages. 
My issue is no one was responding, or appropriately reviewing options to help me correct this issue. 
I very quickly corrected the payment with correct account and the XXXX payment from correct First Tech checking account was processed for {$300.00} ( as I had~ {$2000.00} funds available on XXXX for the purpose of bill payments ) on XX/XX/2020. It took a few days to process with the account correction. 
XXXX was amazingly helpful, no fees charged, great direction in how to resolve. 
FIRST TECH FED CU, not helpful, dismissive, and unwilling to reverse the fees. No help in discontinuing the fees from recurring. 

I was charged a fee of {$28.00} on XXXX, another {$28.00} fee on XXXX, and another {$28.00} fee on XXXX.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings (TX)

According to the Fair Credit Reporting Act says if a company semds information via electronically it says 14 days to allow a responce. 
I received an email from Zion Debt Holdings whixh went into my spam mail. The email only gave me 4 days to even respond to it and then put it on my credit report. 
That is not good practice for a Debt Collection Company to do, not even give me time to respond, make any arrangements to keep off credit, since the email aaid if I dont call or respond in 4 days it will go on my credit which is a threat.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX, TransUnion and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, TransUnion and XXXX  still refuse to update the information. XXXX, TransUnion and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, TransUnion and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, TransUnion and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2020-04-16
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 closed out my account in XX/XX/2019 and still received fraudulent charges. 
Non-Negotiable NOTICE and DEMAND From : XXXX, XXXX XXXX XXXX, hereinafter " Borrower '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX To : XXXX XXXX XXXX, hereinafter " Lender '' XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2019 RE : Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt. 
Dear Account Manager : Pursuant to the Fair Debt Collection Practices A c t, 15 U.S.C. 1601- 1692 et. seq., this constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 
You have refused to answer my Notice of Adequate Assurance of Due Performance, thus ending the alleged agreement and giving me evidence that you did not follow G A A P. According to the bookkeeping entries, the borrower provided the money or credit, a thing of value, to fund the alleged loan or check or similar instrument in question. Failure to answer my Notice of Adequate Assurance of Due Performance tell me that you acknowledge that I funded the alleged loan and the loan an agreement was stolen and forged, thus ending any claim you have against me.
Consumer complaint received 2020-04-16
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: Experian Information Solutions Inc. (CT)

I applied for a loan from XXXX XXXX XXXX in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on Experian I think.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I have disputed two transactions totaling {$120.00} ( {$81.00} and {$46.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as  follows : Effect of noncompliance with requirements by creditor - " Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor ''. 

Please contact the creditor ( Bank of America ) requesting a full credit of {$120.00} to comply with with the Fair Credit Billing Act as required by the 15 U.S. Code 1666 ( e ).
Consumer complaint received 2020-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This morning I submitted a complaint about Capital One to the CFPB because the company ran my automatic payment through the wrong bank and refused to assist in rectifying the error. I received notification that my complaint was received by Capital One ; and since that time my Capital One credit card has been repeatedly declined.