davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IN)

I have contacted Amazon Store Card / Synchrony Bank regarding multiple returns that I sent back and received confirmation of those returns via email to XXXX on Friday XX/XX/2021 and yet my Store card is not refunded. 

So they have the merchandise, acknowledged the returns but wont credit my credit card and are collecting interest. 

This is criminal. 

Called today and the response is typical, it can take a week or more .... huh?? 

I dont thing so, and if I open a dispute it can take 90 days so its like a threat not to open a dispute.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Basically, a debt resolution company was able to negotiate a debt repayment to the following company : Capital One Services For Capital One : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for Capital One was {$440.00}, and they have not updated or deleted the account at the three credit bureaus. The information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for the settled amount {$440.00} and a payment had to be received by XX/XX/2021. Four separate payments were sent, totaling {$440.00}, via my settlement representative/attorney, XXXX XXXX XXXX XXXX Payment was submitted via XXXX XXXX XXXX. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for XXXX XXXX XXXX XXXX was {$2300.00}. They have not updated or deleted the account at the three credit bureaus. All information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for 50 % of the total due ; the settled amount accepted by your debt/account representative was {$2300.00} to be paid by XX/XX/2021. An ACH payment totally {$2300.00} was sent to your account representative on XX/XX/2021. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. Payment was submitted via XXXX XXXX XXXX. Also included in the terms of the agreement is the account would be marked settled. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; Trace # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I refinanced my auto loan with USAA with my father as co-signer in the auto loan. As part of the part I add extra insurance called a Debt Protection Coverage which covers if I or he become XXXX and/or dies the loan is paid in full after the 30 days waiting period. There was clause in the Disclosure of the Coverage that the only way that the coverage could be canceled is that the primary ( me ) dies or that I submit in writing that I want the coverage canceled. Unfortunately, my father passed within shortly after the signed that contract with USAA. My family and I received condolences from USAA and thanking us for my father service in the military. They requested a copy of my father 's death 's certificate. Of course, we complied with the requested because at the time it seem that financial institution request an official copy of the death certificate. In the process without any notice, USAA cancelled the Debt Protection Policy on the Auto Loan. I did not send in any document to try to active the policy on my father behalf this was some that they did on their own. I have contact their numerous times requesting documentation on why the policy was fraudulently cancelled and I have been hung on or place on hold for over 1 hour and half. I 've even went into the bank to the teleconference banking and they refuse to send me the documentation as why the policy was fraudulently cancelled. Since the cancelation, I have been diagnosed with XXXX and been XXXX by my condition. This situation is ruining my credit and should not have happened because USAA acted on the account with my knowledge and still will not provide any documentation as to what the damage that they did to the loan/contract agreement.
Consumer complaint received 2022-11-12
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

After paying DOWN ... .GOT THAT- PAYING DOWN A NUMBER OF DEBTORS. My score actually went XXXX  points EVEN THOUGH THEY CLAIM IT WENT UP ... .WOW ... HOW PUTIFUL can they get?. '' /Your FICO Score has increased XXXX points to XXXX! FROM XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX XXXX Experian data XX/XX/2021.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (DC)

I continue to have issues with Ally. I wasted over an hour while an agent told me I needed to submit a change of name form. I hung up after never getting a full resolution. I called back the next day and was told something completely different by XXXX. Apparently Ally has my name entered incorrectly. This is my experience every time I reach out to Ally. I still have no reached a resolution and am unable to deposit the check.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

This in reference to my Wells Fargo Financial Platinum Visa card that I been a member since XXXX. 
For the year XXXX, I was charged {$180.00} in late fees. My payments are due on the XXXX of each month. I did not notice this till I saw my annual report that showed I had late fee totaling {$180.00} ( XXXX. XXXX {$24.00}, XXXX. XXXX {$40.00}, XXXX. XXXX {$40.00}, XXXX XXXX {$40.00}, XXXX XXXX {$40.00} ) I made the following payments - XX/XX/XXXX ( paid {$1000.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$700.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), and XX/XX/XXXX ( paid {$2000.00} on XX/XX/XXXX ). They charged me late fees even when the bill was showing the money was paid. 
They paid me back {$80.00} as a one-time courtesy as if I failed to make my payments. The person on the phone was rude and side it was my fault I have to abide by their rules of payment. - I do not understand. I only know to pay my bills before the payment deadline.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DE)

I received a notice from Fair Collections & Outsourcing on XX/XX/2021. They are trying to collect a debt for the XXXX XXXX XXXX. In XXXX, I contacted XXXX about the notice. XXXX told me to ignore it, since the debt is not shown on my report. It is not shown on XXXX XXXX XXXX. I received another notice dated XX/XX/2021, exactly the same as the original. I have never contacted, leased or purchased anything from the XXXX XXXX XXXX.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

1 ) XXXX was collecting early termination fees that was paid by XXXX in full. XXXX has confirmation of payment receipt 2 ) The amount reported is also NOT the amount paid nor invoiced by XXXX.
Consumer complaint received 2024-03-08
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 following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the 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
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX  well being, as well as my XXXX XXXX - XXXX XXXX, XXXX XXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXX 's seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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. (TX)

XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX well being, as well as my physical health - XXXX XXXXXXXX XXXX XXXXXXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXXXXXX XXXX seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a Chase representative ( XXXX ). This number is actually a Chase fraud number, and I was tricked into believing that the person on the other line was actually a Chase representative. The person provided me a name and an employee ID number and notified me that my XXXX account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my XXXX account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from Chase. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to XXXX money to myself using my phone number to my phone number. To be more clear, I was using XXXX to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my Chase and XXXX acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. I called this phone number directly during this time period at a separate time, and it took me to Chase 's answering machine, so I knew this was a Chase verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual Chase number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from Chase that my disputed funds were not approved and that I would not be receiving my money back. This is despite the fact that my account was clearly hacked. I have already contacted XXXX recently through this consumer complaint form, however they have directly stated that it is up to the " bank or credit union and their terms and conditions with their users regarding reimbursement of any payments made ''. As a result, I believe that Chase needs to act on this and help return my money.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2024, I caught a flat tire. I then called a company called XXXX XXXX located in Texas. The representative made me sign an authorization form and charged my account {$280.00} before they would even send a driver. Since I was out of town and it was very late at night, I desperately agreed. After 2 hours of waiting, XXXX XXXX  called me to tell me that a tow driver wouldnt be able to pick me up for 8 hours. I then told XXXX XXXX to cancel the transaction and refund me, which they said they would, but never did. They had me fill out an aithorization form to get a refund, and I never got it. I then filed a claim with Chase, who gave me a temporary credit. They then reversed rhe transaction a couple of months later and sent me a letter offering no good explanation why. If they did a decent investigation, they would find that XXXX XXXX  would not be able to provide an invoice proving they towed my vehicle anywhere. XXXX XXXX never performed a service for me, yet Chase chose to side with them over me without a good explanation. I called Chase and nobody could give me a logical reason as to why my transaction was mor valid. Id love for XXXX XXXX  to provide proof they serviced my vehicle when there is none.
Consumer complaint received 2022-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS is in violation of FCRA, FDCPA as well as HIPPA laws! This company has not provided proof that I owe them any debt by way of contract. They also are in violation of the Gramm-leach-Bliley Act for sharing my information with anyone before getting my prior expressed permission or giving me the option to opt-out of third party sharing of any alleged debt/information. They are also furnishing this alleged debt ( account : XXXX ) inconsistently on all 3 credit bureaus which is a violation that can be remedied with an immediate deletion of the account and no reinsertion! This account is causing severe damage to my finances!
Consumer complaint received 2021-12-30
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. (GA)

The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to be removed
Consumer complaint received 2021-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

At the beginning of XX/XX/XXXX I received my statement and notice that a home owners insurance payment was made to a company I was not familiar with. On XXXX I spoke with representative XXXX he did not provide me what I wanted so I requested the supervisor, he said one would call me back. I received a call back there was a voicemail message but no name of the supervisor and the call back number was automated. I called back XXXX spoke with representative who stated a supervisor would call me back i a couple days. I never received a call back. I wrote XXXX ( the money source ) an email regarding the payment to the company. During my original conversation with XXXX XXXX was discovered that XXXX did not pay my XXXX insurance and decided to pay it about a year later and they did not notify my had no insurance. I requested the monies be returned to my escrow account as my insurance company that I always use, does not go retro. To no avail were they willing to refund my account but did send me information that my mortgage would be going up and I know it was due to them paying the money to the insurance company which made the escrow account short. In beginning XXXX I mailed a letter to their escalation department received a call with no resolution. I have received notification about my XXXX insurance not having it but did not receive notification of XXXX. I am requesting a refund of the {$1700.00} that was deducted from my escrow account due to their oversight of not informing me nor paying the insurance which is their responsibility due to the contract.