davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

XX/XX/2022 I contacted the hospital to verify the debt in which I was made aware that it went into collections which is a violation of HIPAA. Which was created t protect private and sensitive health information from being disclosed without my consent or knowledge. I did not agree to have this sent to a collection agency where they were able to gather my private information such as a home address, social security number, phone number, medical finance information, and so forth. This is a direct violation of HIPAA via " HR-2537 Consumer Protection for Medical Debt Collections Act ''
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OR)

We closed our Synchrony Bank JCPenney credit card back in 2020- XX/XX/2020 according to my XXXX XXXX account. We suddenly got an email, and then a statement in the mail, announcing they were reviewing our account and found they owed us XXXX cents and will issue a refund with our next billing statement. We closed our account with them because of previous awful customer service and run around. Contacting us nearly three years later because they have kept the account active, or are reviewing a closed account, seems like a flimsy excuse to either keep it open or re-open it. My name on the account was XXXX XXXX, and my husband was also on the account, XXXX XXXX. I spent six months bouncing between JCPenney and Synchrony Bank getting them to honor the advertised conditions under which we had bought appliances through them, and the largest reason we closed the account after we paid it off. I have not contacted them because I don't want that contact to constitute some sort of agreement on my part to re-open the account, and I don't wish to waste more time getting the run around from them. We are so opposed to doing further business with this company, we took out a loan on my car to finance buying a garden shed rather than open another line of credit with Synchrony Bank, who did the lending for the shed company. When I tried calling their system it kept asking for the card number, but we destroyed the card when we closed the account.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

The U.S. Department of Education is re-aging my old loan accounts with them. this is allowing them to report the accounts delinquent for longer then the statute of limitations allows these accounts to be reported.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CO)

I had an auto loan with Wells Fargo from XXXX of XXXX through XXXX of XXXX and I believe that I am owed money due to the settlement that is out there. I contacted Wells Fargo and they said they were not aware of any settlement my account number was XXXX. Near the end of the loan Wells Fargo repossessed to the vehicle and sold it at auction.
Consumer complaint received 2023-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and th4 credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX around XXXX my car was illegally repossessed. I protested the repossession and the driver said its nothing he could do and to contact Ally. 


Ally removed title out of my name in order to sell the vehicle and reported the repossession to all credit bureaus. 

The next day I contacted Ally and after a brief investigation they admitted they were wrong and would return the car immediately. However, during this process the vehicle was illegally sold at an auction. 

After a month the vehicle was returned to me with scratches on the hood and a dead car battery which I had to replace. However title has not been reassigned to me. 

In the meantime Ally reported that I owe the remaining balance on my vehicle which I never authorized them to sell. Would love to speak to someone about this and thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (IN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (LA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX
Consumer complaint received 2023-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I have a 2nd mortgage with RBFCU. I set up my payments originally to post every two weeks with the purpose of paying off the mortgage early. I realized in 2021 this was not happening so I got on the phone with the company and they took all the payment and reposted them as principal payments. They also indicated that going forward they would not take any payments as payments for the next payment due but would post them directly to principal. They also advised that I need to change from a bi-weekly cadence to a semi-monthly since that is the only way the system would pick up the payment to be applied accurately. This scenario has happened multiple times since then and I always have to call and have them update this. My concerns are : 1. when they reapply the payment I dont have a way of knowing how the interest that I would have saved is being impacted and I think this process is unfair and deceptive 2. Its labor intensive on my end to have to keep calling for them to perform the servicing of the loan appropriately 3. By far one of the most concerning any customer who is not aware to check and confirm that the processes that they have set up to assist them in getting out of debt quicker are working they could be paying extra interest and are not aware.

The servicer should have appropriate processes in place to ensure they are treating customers fairly and are not unduly gaining interest that they should not be.

Thanks.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I received a text stating that my Chase account debit card had been locked. I do not have a Chase account. I tried reporting as phishing with FTC and was redirected here. 

Website link in text was XXXX XXXX XXXX Text from phone number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

These issues are with 2 of the 3 major credit reporting agencies XXXX, and Experian. Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX  removed them from my report. I have had no success with XXXX  and Experian. The collection agency is : XXXX XXXX XXXX XXXX  The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. Thank you.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

I've reached out to XXXX XXXX XXXX XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I attempted to purchase tickets to a football game in XXXX, Georgia via XXXX ( XXXX XXXX   XXXX ). The person made me feel comfortable enough after 5 minutes of conversation to transmit money electronically. They asked that I use Zelle, which I knew my bank ( XXXX ) offered as a service. That made me feel comfortable enough that, even if it was fraud, a service like Zelle and a bank as big as XXXX would protect me. I transferred {$600.00} to XXXX. When I got an email that the transaction cleared, the person hung up, I called back a dozen times and got no response. A scam. 

My bank ( XXXX ) says that Zelle can not do anything because I chose to transmit the money. However, XXXX will allow me to dispute the charge now, but I must wait until the transaction clears. XXXX is scams only to me now, I will never use it again and it was once a very novel and useful tool.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX my mother wrote a check for {$500.00} to Comenity-The XXXX. The check cleared on XX/XX/XXXX. It was never applied to my account. I emailed them on the XXXX and have called numerous times. They claim it to be in dispute. What happens if they do not find in my favor? We see on her bank account where this cleared. My XXXX account through Comenity now shows as past due online and the balance continues to increase.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account Number XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

*THIS IS NOT MY ACCOUNT *I DID NOT AUTHORIZE ANYONE TO USE MY NAME TO OPEN THIS ACCOUNT I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've reached out to XXXX XXXX XXXX XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report.
Consumer complaint received 2019-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

A. order XX/XX/XXXX @ XXXX XXXX  I ordered # XXXX {$47.00} Ship date XX/XX/XXXX QTY 2 Toy XXXX Tracking # XXXX USPS B. order XX/XX/XXXX @ XXXX XXXX  order # XXXX {$7.00} Ship date XX/XX/XXXX QTY 1 XXXX XXXX XXXX  Tracking # XXXX Orders A & B were both to be shipped to my home address. Order B had no issues Order A was not shipped to my home in XXXX. I had purchased the toys for my grandchildren 's birthday in XXXX. When I saw that Order A would not arrive I called B4 my trip to XXXX. I was told I could not cancel, return or reject the order. When I returned to XXXX  from XXXX  I checked the tracking number and learned they had delivered order A on XXXX XXXX @ XXXX MAILBOX in XXXX , XXXX  XXXX. Note : XXXX/Seller had knowledge of this when I called B4 going to XXXX. I contacted all and never got a response. XXXX responded by offering me replacements TOTALY FREE OF XXXX CHARGES. I was in agreement. When I called Capital One refused to answer my questions. I instructed them that I want to close the account, The account was closed XXXX XXXX. On XX/XX/XXXX @ XXXX XXXX  I checked my card account and there was a charge added date XX/XX/XXXX for {$47.00}. The charge is posted as a rebill. this is 19 days from order date. I called the XXXX ( this is a XXXX posted on the account ). Asking why they made this charge - they claimed they did not make the charge. I then called XXXX and was told they did not make the charge. I did receive two items. that they stated would be free. I had to remind them that there were 2 toys not one. They did send two separate packages
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I previously had a credit card with Spirit Airlines/Bank of America . My account was in good standings and Bank of America closed my account for no reason. I later applied for another Spirit Airlines card with BOA in 2022 and was declined. I received a letter stating that BOA does not want do business with me. I have great credit and low XXXX XXXX is no reason for me to be declined. Bank of American is discriminating for no reason. When I call no one can give an answer as to why I am being declined.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I attempted to initiate a credit freeze with Equifax on behalf of my XXXX XXXX son. I mailed the requisite request form, photocopies of identifying documents, and a cover letter stating my request for a credit freeze to the Equifax XXXX XXXX XXXX in XXXX, GA in late XXXX XX/XX/XXXX. I never heard back, and was told by Equifax employee # XXXX in early XX/XX/XXXX that the credit freeze request had never been received. I sent a second request with the requisite forms, identifying documents, and cover letter to the same address in early XX/XX/XXXX. I received a letter back from Equifax, dated XXXX XX/XX/XXXX, that said they were unable to process my request because they needed additional information. However, the letter did not clarify whose information they needed ( myself or my son ), and I followed Equifax instructions in my initial request by sending copies of all requisite identification forms. I called Equifax to get clarification on XXXX XXXX, and Equifax employee # XXXX told me that Equifax did not have any documentation from my earlier requests. This claim is contradicted by the XXXX XX/XX/XXXX letter I received from Equifax saying they had received my request. I asked to speak with a supervisor but was told that none were available. Employee # XXXX said she had created escalation ticket XXXX and suggested I fax the forms to XXXX instead of mailing them. I do not have a fax machine. I still wish to place a credit freeze on my XXXX XXXX XXXX son 's file, and do not know what else I can do. 

I successfully initiated credit freezes for my son with XXXX and XXXX on the first attempts.
Consumer complaint received 2019-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (PA)

I continually get calls from Convergent. I get 4 to 5 calls a day. They come from a # XXXX. Each time I answer, they state who they are and that they are a debt collector. 
Then they tell me that I have a unpaid debt to : XXXX XXXX.. They state that I took the loan out in XXXX and I made my last payment on it in XXXX. They then state that i have a outstanding balance. 
I advised them that I had filed a Chapter XXXX in XXXX during my divorce and any loans were taken care of through my Chapter XXXX. 
I also advise them that if i did have any debt that old and from before XXXX, then this debt would have been included in the chapter XXXX and the debt is also past the statue of limitations for my state. 
I also advised them that I had a loan with XXXX XXXX around XXXX to XXXX and this loan is paid in full and I also have a lean release and clear title. I also told them I do not believe that XXXX XXXX would have given me another loan if I owed them money. 
I am then given the same story from them that they are going to put it on my credit report, They are going to take my home and also going to garnish my wages. 
I advised them to send me copies of the original paperwork and any and all documentation .They advised me that they do not have to do this .It is my responsibility to keep my own records. 
I have asked them to stop calling.I have used their website and also called them and the calls keep coming.