davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NC)

Back in XX/XX/XXXX, some ahole stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XXXX It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony XXXX and XXXX XXXX. XXXX  XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX I am not in collections. I don't know what to do to resolve this.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

I had set up direct deposit with XXXX for my XXXX check. However they didn't do it and my account ended up being negative and I never received any of my checks. I was unable to do anything because I was XXXX They closed my account that I had for XXXX years. I was then put on early warning and haven't been able to get an account anywhere for the past XXXX years. This all happened in 2018.
Consumer complaint received 2022-11-11
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. (NJ)

The company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was XXXX. It shows XXXX balance on my credit report with XXXX but I want it removed from my credit report
Consumer complaint received 2020-12-24
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. (IN)

The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with Equifax, XXXX, and XXXX XXXX and an unresolved complaint with the XXXX XXXX XXXX
Consumer complaint received 2018-03-04
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. (GA)

This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/2018, I mailed to XXXX XXXX XXXX a letter ( attached ) in which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/2018 I initiated a direct dispute with TransUnion requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor. 
TransUnion responded that the collection Agency XXXX XXXX had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with TransUnion, the furnisher of this information XXXX XXXX went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/2018 in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I sent a request for information to Rushmore Loan Management Services on XXXX XXXX to provide my loan information within 14  days. They did not provide my requested information for more than 30  days since my request. My loan account number is XXXX with the address XXXX XXXX XXXX , XXXXXXXX XXXX  XXXX .
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA ACCOUNT FOR {$46000.00} has been showing up on y credit report as CLOSED or CHARGED OFF. 
I have tried multiple times to dispute this charge, which is NOT MINE and have reported it as fraudulent and have provided police reports and documents to verify my identity to prove that this account was fraudulently opened under my name and have failed each time. This is not my account and XXXX  refuses to properly investigate this matter and it is ruining my credit. Please remove.
Consumer complaint received 2021-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (TX)

I received notice of a bill that was in the collection from Capital Accounts in late XX/XX/XXXX. I immediately responded in writing by certified mail on XX/XX/XXXX, disputing this bill because I do not owe any money to XXXX XXXX XXXX. I was sent back a " validation '' that had charges on it that clearly weren't mine and interest and fees which are not allowed by Texas Law. Capital failed to send me enough information to verify that I owed anything on a bill from XXXX. Capital Accounts basically extorted me by threatening to report the information on my credit report whether it was right or wrong if I didn't pay or set up a plan by XX/XX/XXXX. I decided that I didn't want to have to fight to get this incorrect information removed from my credit, so I decided to set up a payment plan just to make it go away. I set the payment up on XX/XX/XXXX and Capital Accounts reported this false information anyway. When I called to clear up the mistake agents they tell me that they can not see that a payment plan was set up in their system. I emailed them my confirmation 3 times, got passed around, and was placed on hold for hours. Finally, I was told that a supervisor would call me back ( by XXXX XXXX whom I was told was a supervisor on a prior call ). No one ever called me back. I was forced to cancel my credit card to stop the payments since Capital Accounts refuses to acknowledge that I set up a payment plan.
Consumer complaint received 2020-01-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Been faxing paperwork, my cousin helped me fill out! 8th time on phone, called XX/XX/XXXX had to give information over phone, said approved fax papework which i had already, then send package going out, ( SEE PROOF ) then on XX/XX/XXXX was a sale!!!!!!!!!!!! IS AN FHA LOAN! I did what i was supposed to, now called today XX/XX/XXXX said denied due to sale  PENNY MAC IS A LIAR been faxing paperwork!
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RAS LaVrar, LLC (GA)

Around the beginning of 2022 I started getting letters from XXXX claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called XXXX directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as XXXX and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is : RAS LaVrar LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone # XXXX I'm sending pictures of XXXX of the many letters I've received.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (SC)

On XX/XX/2023 I applied for a payday loan and received the funding in the amount of {$770.00} on my debit card. It was agreed by an agent that my payments would be XXXX XXXX monthly and the first payment will begin on XX/XX/XXXX. XXXX. A few days later I received a phone call about how I was treated by the agent and when will my payments start. The old agent was gone and replaced with another agent. Everytime I came into the store location she would run and disappear. My first payment start and {$55.00} was taken out of my account. On XX/XX/2023, I discovered that more money was removed from my account than agreed. I contacted the corporate office and was told he will give me a call back. Then I was told to contact the branch. On XX/XX/2023 I spoke with the first agent and she could not answer my questions. The payments are not going down but continuously adding up. She did not have the same information in her database that I was reading to her. I learned that I am being charged XXXX dollars and XXXX XXXX cents a day in interest fees plus my payment of XXXX  ( principal ) dollars goes to the interest again. However, only {$18.00} dollars is being applied to my payments, which is the smaller amounts.
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

My debit card was stolen and multiple fraudlent charges were made to my account. I am currently banking with Chime and after disputing the charges Chime refuses to update me or issue credit for the charges that occured.
Consumer complaint received 2022-12-26
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. (CA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2023-07-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (MD)

I was going through my credit report and noticed multiple debts was added to my credit report by this corporation Nelnet. I have never made an account by this corporation so therefore this corporation can not claim I owe them any payments. Great Lakes has sold the debt to this corporation so therefore Nelnet has had already been profiting and is now the owner of the debt. Since they have profited and is the owner of the debt, then they have the funds to pay off what they owe. I demand that you terminate this debt for I am not obligated to pay this alleged debt. Since this corporation believes, I am obligated to pay them they are by law a debt collector. In pursuant to 15usc1692 ( 6 ) a debt collector is any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. I demand this alleged debt to be terminated.
Consumer complaint received 2021-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bills were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card companies.I have also put myself on auto pay with each credit card company.
Consumer complaint received 2022-12-26
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. (CA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (OH)

I use MoneyLion ( a XXXX phone app ) for a checking account and have been a customer for a little over 3 years. I used a credit rebuilding program with them as well as a product called XXXX which acts as a pay day advance for a fee. I lost my job 6 months ago and have had XXXX income. I just got a new job and upon receiving my first paycheck deposited into my account MoneyLion took the entire balance to pay a previous XXXX balance. I did not authorize any such transaction and the biggest issue here is the bank WILL NOT work with in any way. I am a XXXX XXXX XXXX so I use my own money to do my job, this issue happening with me being right at the start of my probation period could cause me to lose my job. Again the problem here is the bank being unwilling to work with me in any regard. I have made payments when I could to this XXXX  balance over the 6 months and have told them I am 100 % willing to resolve this outstanding balance/ have attempted to set up a repayment schedule. The bank has told me there is nothing they can do and will not work with me at all. This outstanding balance is also on my credit report making it harder for me to seek funds elsewhere. My other banks have been working with me during these 6 months. These banking policies have become absolutely ridiculous and when things like this happen the consumer has nowhere to go these banks take advantage of this. In this cause if I lose my new job over this I am curious to know if this party is responsible and if so what could be done.
Consumer complaint received 2022-11-11
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. (PA)

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  : account # N/A, account name XXXX : account # N/A, account name XXXX XXXX account # N/A, account name XXXX XXXX, account # N/A, account name XXXX XXXX XXXX, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (ME)

XX/XX/2023 AT XXXX. I was trying to fix my XXXX XXXX XXXX and used XXXX to look for Contact Number of XXXX found the number and called them. They assisted me and after assisting me they told me that my account is not yet completely fixed so I need to purchase a Gift card thru XXXX. They told me they will just cancel the order after the call. After Purchasing 5 gift card they told me that the problem is not being fixed and I should transfer money thru my bank account using Zelle  to a person Name XXXX XXXX with an email XXXX. I told them NO this is a Fraud. They told me they will just return my money. So I transferred XXXX dollars and they told me its not enough. I have to send more money and threaten me that they have access to my bank account and they can transfer more money because they know my Username and Password. So I transferred another XXXX dollars because they are threatening me that they will took all my money in my bank account. And told me its not enough so I transferred again XXXX dollars. I was already anxious at that time and they are still asking me for more money. I disconnected the call and reported it to XXXX and XXXX XXXX XXXX at same Date. XXXX refunded my Gift card after several days but advancial refused to return a total of XXXX dollars that was sent thre XXXX XXXX thru Zelle. The Bank said I should have reported it to the FBI.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

I initialed an external bank transfer of {$15000.00} on XX/XX/2022, at XXXX XXXX through Citi online and canceled it on XX/XX/XXXX at XXXX XXXX through Citi online. I received the cancellation confirmation, but the fund is unavailable ( pending ) until XX/XX/XXXX. I have called Citibank six times since XX/XX/XXXX and chatted online several times, and each time I was given misinformation : many agents told me that the transaction would be settled within a day or two, and an agent even transferred me to the dispute department who told me that I need to file a dispute instead. The information is very confusing and contradicts each other. I filed a previous complaint on XX/XX/XXXX ; the company responded on XX/XX/XXXX, but misstated that the cancellation request was done " through a third party '' and thus " may take up to 3 to 5 business days. '' In fact, the cancellation was requested through Citibank. Moreover, the {$15000.00} fund was pending for two weeks, much longer than the timeline.