davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

I received a letter dated XX/XX/2019, from a company called Synergetic Communications , Inc. saying I owed a balance of {$13000.00}.

I never had a balance of that and check my credit daily never seen anything, I called for more information and no information was given to me I do not want this negatively affecting me and my credit.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pioneer Law Firm, P.C. (AZ)

In XXXX we enrolled in a Debt Consolidation Program, trying to pay our debts instead filling a bankruptcy. We signed a contract with Pioneer Law Firm, PC where they promised at least reduce a 35 % off the debts, we enrolled 8 accounts to be paid, after 4 years we finished with our payments and resulted that we just paid 3 out of 8 accounts, and now we are more than " welcome '' to pay the rest of them out of our pocket, and we already paid one of them out of the program ( XX/XX/XXXX - XXXX XXXXXXXX ). We received another collection letter that I sent it to them to start the negotiation ( and pay it out of our pocket XXXX but they said they are unable to help us because we already are out of the program ( since XX/XX/XXXX ) due the inactivity, that occurred because we are not making the payments through them anymore. ( Of course, this has an extra cost for the administration fees ). They included the Litigation Support Services in the contract and 3 of the accounts already filled summons against us. But they denied the service because they closed our program. We have pending 4 more accounts to be paid. We made 48 payments of {$990.00} as we agreed in our contract to negotiate 8 accounts with the total of {$74000.00} So far, we learned that you always could negotiate with a creditor without the " help '' of this companies, but what can we do now?
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

A request to remove incorrect late payments on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2020-12-30
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-09
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: SYNCHRONY FINANCIAL (FL)

I purchased driving lessons on XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX XXXX on my Tj maxx rewards card. I was never scheduled for them. After contacting the company several times by ph, virtual chat, email ect. I showed up in person to a empty building to be informed by their neighbor they were filling XXXX XXXX and parents were coming by to investigate to see why no one can get ahold of them also was told to look up XXXX XXXX they were on the news for it as well. I called my credit card company on XX/XX/XXXX to start a dispute. I was denied and told I signed a contract saying no refunds no cancellations. So I sent another appeal saying I didn't cancel. They went out of business before I could get my services. I received another denial letter XX/XX/XXXX saying I received my services which I did not. Please help me get my refund
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

on XX/XX/XXXX, a payment through XXXX was made for the purchase of one golf cart through what I believed was a legitimate company located in Pennsylvania. We exchanged several phone calls and then I decided to purchase. After the seller would not contact me back, I phoned the company headquarters in Texas at which time i was told that if was fraud. It appeared the companys website had been cloned. ( The website is still up and active by the way ). I filed a fraudulent claim with both XXXX and Capital One. Capital One would credit the dispute and then reapply. After several months of trying to resolve the issue, Capital One sent a notice that the charge was no longer disputable due to the amount of time involved. XXXX had responded saying my case " was won '' and that Capital One should be contacted to find out where the funds were. At times, I even contacted XXXX, above Capital One without any success. I have filed a complaint with the West Virginia Attorney Generals Office as well. I am out the funds. I do not understand why XXXX could not have reversed the funds in the account. They have not been very helpful. Again, the website is still active, in fact the same crooks have a new website selling Kayaks. 

Federal Wire Transfer Fraud ( XXXX ) Date Filed- XXXX XXXX, West Virginia Attorney Generals Office - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & ( XXXX ). XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

Well everytime I try to apply for a loan or credit card with Wells Fargo I've been a customer for a very long time they always say that I'm delinquent have too many accounts and it is true in the past before filing bankruptcy I did have that on my credit history but since then all that information has been paid off and there is no delinquent account or anything on the account for about three or four years maybe three years rather but they're still advertising that information as to why they can not approve me and I just want accurate information if it's the bankruptcy just say the bankruptcy but to say that I have several delinquent accounts and that's not correct
Consumer complaint received 2021-08-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-08-26
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)

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed immediately.
Consumer complaint received 2023-03-01
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates (TX)

I was contacted by someone on XX/XX/XXXX saying they were trying to serve me with court papers. When I asked in regards to what they gave me a 1 ( 877 ) phone number and case number and told me to contact them. When I did I was connected with someone saying they were a legal aid with Lewis , McDonnell & associates, and were trying to serve me with papers for a XXXX debt saying I owed $ XXXX+ with interest. I told them I had no idea about this and he said that if I did not set up arrangements that day I would be charged with theft that would go on my record permanently and I would have a judgment placed against me. I told him I was going through a divorce at that time and several things should have been handled by my ex and this is the first of me hearing about this in 6 years. He said he could only extend the offer to me while on the phone but if I didnt set something up not only would I be charged with theft but I would be responsible for process server fee as well as attorney fees on top of the debt that had been occurring interest. I panicked and set up a payment plan because he said he could not give me anymore time because they had sent a letter out to an address I told him I had not lived at since XXXX. After speaking with people about this they said it sounds like a scare tactic and I should report it.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

BSI has continued to hold on to my money and not allocate the money to my mortgage account in the amount of {$1200.00}. They charge me late fees repeatedly even with my paying more than is due. 

I have attached a copy of a screen shot of XXXX and paid more the required amount. 

I want my mortgage payment allocated and late fees reversed based on the attached screen shot of my mortgage account as well as the unallocated mortgage payment.

BSI continues to charge late charges on a payment that was made to them and they refuse to allocate the money. 

I want a RESEARCH analysis done and the XXXX payment applied.
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board.

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while Transunion & XXXX  has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that TRANSUNION AND XXXX  FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE
Consumer complaint received 2017-09-09
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. (WA)

Despite the fact that I have no access to my credit report via XXXX, I am deeply troubled by the handling of my personal information. 

I 'm not informed of what steps to take to ensure the safety of my personal information.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (WA)

I have a Chase Amazon Prime Rewards card that I used to purchase a XXXX XXXX XXXX in XXXX of XXXX. The card comes with an extended warranty benefit that : " Extends the time period of the U.S. manufacturers warranty by one additional year, on eligible warranties of 3 years or less when item is purchased with an eligible Chase card or with rewards earned on an eligible Chase card. '' The soundbar failed in XXXX of XXXX, outside the one year original manufacturer warranty, but within the additional year provided by the card. The manufacturer ( XXXX ) understandably did not replace the soundbar because it's out of warranty, but XXXX also did not offer to repair the product at cost, because XXXX does not have a repair program. There are no electronics repair shops near me willing to quote a repair cost, because the soundbar is not designed to be serviceable by third parties. 

I submitted documentation of the purchase, warranty, and inability for XXXX to repair to Chase 's claims filing partner, but received a rejection requesting " A copy of the diagnostic, or repair receipt if the item has been repaired, that states the reason for the failure and details the cost to repair the claimed item. '' I called and explained to them that there is no such diagnostic because there's no facility that offers repair services for the item. They said they just need documentation that XXXX can't repair it, so I contacted XXXX again, screenshotted the conversation, I sent this to Chase 's claims filing partner, who then rejected with the identical message : " A copy of the diagnostic, or repair receipt if the item has been repaired, that states the reason for the failure and details the cost to repair the claimed item. '' I called again, they said they see the info that XXXX doesn't provide repairs, but the information needs to be in a different format ( making it clear that conversation was with XXXX ). So I contacted XXXX again, asked them to restate in an email, and sent a copy of the email to Chase 's claims filing partner. Again, the same rejection, again, with the exact same message. 

I've tried calling 3 further times, twice unable to get through and the third time told I need to get a diagnostic and cost to repair. This requirement is impossible to satisfy. 

Chase 's marketing and " guide to benefits '' do not limit the extended warranty benefit to only apply to products that are repairable ; they refer to a repair or replacement at the claims administrator 's discretion. Clearly, a repair or diagnostic is not available, and I have provided the documentation to the claims administrator, so the card benefit should approve a replacement.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CO)

Letter has XXXX XXXX list but received yesterday on XX/XX/2023. 
Claimed I owe a debt of " {$1300.00} '' from creditor I do not recognized. 
List " Date of Service '' on XXXX XXXX, which I thought was past statute of limitations for medical bills in XXXX. 
The company goes by " Phoenix Financial XXXX  ''. 
I have not taken any action as I do not know if this is legal. 
Thank you for any help.
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I purchase a used XXXX XXXX  vehicle from a dealership in XXXX, Illinois. Months to a year later, the car started having a lot of difficulties that wasn't covered in the warranty I received from the dealership. Once the car was sold to me, the dealership was unresponsive and didn't assist me any further. I found myself putting so much money into a vehicle that I had just purchased. A few years later, I contacted the finance company which is credit acceptance and asked could they pick up the vehicle. It was running at the time and I've had enough of putting so much money into this car. They picked it up. I voluntary gave them the car back thinking I was dong the right thing. They sold it to the auction, etc.. I received a bill that was the full price of the car. Remind you, I paid this car note for years before I called to return it. As of today, I have a hold on my bank account, I have no attorney and all of my funds are froozed. The amount owed doubled and credit acceptance is not communicating to me why. I need assistance asap.