davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I placed an order on Wayfairs website for two stools and charged them to my Wayfair credit card. XXXX delivered the items ahead of schedule on XX/XX/XXXX. I was not home and I was not expecting the items until XX/XX/XXXX. I returned home on Tuesday ( XX/XX/XXXX ) and found only one box at the door. I immediately contacted Wayfair but did not hear back until until XXXX from their resolutions dept. Unfortunarely, I was out of the country until XX/XX/XXXX and did not see the message sooner. Upon my return I immediately replied and followed their instructions. They ask me for an incident report and I did. On XX/XX/XXXX they replied that they needed and actual police report. I call the local police report and asked them to do a police report. I told the police exactly what I told XXXX resolution dept. the police generated a police report number which I gave to Wayfair immediately and said it would take anywhere from XXXX business day to be available. I forwarded the info the Wayfair. They replied again and said they had to have the actual police report and then, they would process the return for credit on the stolen stool. Additionally they wanted the report before XXXXdays from purchased date or the refund would be void. I explained it would be impossible as I dont have any control over when a police report would be available and the XXXXdays would come before the time establishe by police when a report is ready. I am still puzzled why the obsession with the actual police report. I did not give them any new information that I hadnt given to Wayfair already and Wayfair already had the police report number the police had provided. I feel Wayfair is avoiding to process the refund and putting all these obstacles to avoid processing. Im tired of dealing with them and the associate assigned to this situation is less then willing to offer resolution.
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: EQUIFAX, 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 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Company name : Bank of America I gave them permission to pay {$10000.00} to another bank XXXX because of an offer they was offering me o % interest for 15 months. My account from XXXX never got paid. Bank of America mailed a check to pay XXXX but not my account. I brought to their attention! They telling me XXXX cashed the check!!! But wasnt paid to my account as agreed, correct? I opened a claim & also fraud and they denied, because they keep saying paid My account, wrong!!! 
I also went to a branch location to have someone there assist me in which the manager knowledge the issue and also has hard time dealing with bank of the America phone reps. All Im asking is for them to correct the issue with XXXX and pay the correct account. I went from owing {$10000.00} to XXXX and now {$10000.00} to Bank of America which they never paid XXXX lol
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for apparent violations of the Fair Credit Reporting Act ( FCRA ), specifically in relation to the accounts listed below. I have provided all the necessary details for your investigation : 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 XXXX XXXX XXXX XXXX XXXX Despite my request for TransUnion to reinvestigate the accuracy of the information on these accounts, they have asserted that everything is complete and accurate. However, I wish to bring to your attention that the open date, date of last activity, and other crucial details on these accounts are inaccurate. This raises serious concerns about the accuracy and integrity of the information provided by TransUnion, which directly impacts my creditworthiness. 

As per 15 U.S.C. 1681i ( 5 ) of the FCRA, TransUnion is obligated to modify accounts that are not reporting information correctly. It appears that TransUnion has failed to adhere to this statutory requirement by dismissing my concerns without adequately addressing the inaccuracies present in the reported information.

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is my belief that the information furnished by TransUnion is indeed inaccurate, as evidenced by the discrepancies in the open date, date of last activity, and other pertinent details on the listed accounts.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against TransUnion if violations of the FCRA are confirmed. Additionally, I would appreciate any guidance or assistance you can provide to rectify the inaccuracies in my credit report and ensure compliance with federal consumer protection laws.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX  XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I began with XXXX XXXX back in XXXX. I began teaching in XXXX. 

1. Began repayment in XXXX on loans 2. Paid until XXXX 3. Went back and forth with schooling and having to add units to my credential to keep it current. Put loans in forbearance. 
4. Began paying again in XXXX and in XXXX had to file XXXX XXXX, loans were with XXXX XXXX, during Chapter 13, over {$13000.00} was paid to XXXX who held the loans. The payments totaled enough to cover the 5 years. 
5. Came out of XXXX  XXXX in XXXX and loans were held by XXXX and began paying. 
6. In XXXX I began a XXXX and had loans, I consolidated these loans to qualify for Public Loan Forgiveness.

Now with the Waiver, and according to the language " all payments will count, partial, late, zero and wrong plan payments ''. I should be credited my 5 years worth of payments and be done with my 120 payments. 

I am told that because it was reported as in forbearance those 5 years do not count, yet payments were made. 

In addition, every time I called Fed Loan in regards to the high " qualifiying '' payments I was making, they put me in " general forbearance ''. which too does not count. 

Fed loan, never has the same information, every time we call. My wife and I both have loans with them, and we have had nothing but issues with trying to get the proper payment plans, and being put constantly in forbearance. 

The waiver 's language " any payment, no payment, partial payment and wrong plan '', should mean forbearance as well. 

WE have been deceived by the Loan Servicer. Fed Loan makes more money if the borrowers go into forbearance, so they pushed us there every time. 

XXXX and XXXX XXXX
Consumer complaint received 2019-12-13
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: BOEING EMPLOYEES CREDIT UNION (CA)

On XX/XX/2019 I made a purchase using my BECU visa credit card in the amount of {$28000.00} from XXXX XXXX. 
This purchase was made by myself. BECU has taken it upon themselves to dispute and chargeback this card as a fraudulent transaction and chargeback the merchant. This purchase was in fact made by me and BECU had no right or permission to mark this transaction as fraud.
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (DE)

I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM SOUTHWEST CREDIT SYSTEMS FROM XXXX XXXX XXXX PROGRAM XXXX IN REGARDS TO AN ALLEGED DEBT FOR {$240.00} OWED TO XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE ACCOUNT TRANSACTION ACTIVITY SHEET SHOWN AS EXHIBIT A IS NOT CORRECT. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX, PA XXXX IN MY LIFE. LASTLY, SOUTHWEST CREDIT ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) SOUTHWEST CREDIT ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, SOUTHWEST CREDIT ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$480.00}. LASTLY, SOUTHWEST CREDIT ARE VIOLATION OF 15 USC 1692B ( 5 ) AS WELL AS 15 USC 1692B ( 2 ) BOTH MARKED AS EXHBIT B & C
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OR)

XX/XX/2XXXX XXXX XXXX XXXX, I made a purchase, {$71.00} with newly approved Old Navy credit account, Receipt last XXXX = XXXX Never received card. 
Got billed and noted, not just my purchase, but fraud charge {$720.00} by XXXX XXXX XXXX ( sic ). Under that is " Other Transactions '' and " gas, groceries etc. Statement last XXXX = XXXX I sent a note, explained the above, with payment for my purchase of {$71.00} and note disputed the {$720.00} to XXXX. I questioned how that was even possible, since Old Navy is a clothing store. Never did get answer. 
I stated emphatically to cancel account and I do not want another. Explained why : called XXXX different numbers for Old Navy. None allowed talking with actual person, just going in circles wanting payment. 
Finally on-line chat that referred me to Synchrony Bank XXXX Here we go again with automated system. Research led to another on-line chat that referred me back to Old Navy! <lousy customer service> Again to Old Navy, given another number to Synchrony Bank.

Accepting my claim of Fraud, Old Synchrony falsely reported i.d . theft to credit reporting agency. 
After 4 months, still no real investigation. 
Why 2 different account numbers? 
Was cashier involved? Or staff that processed card? 
I researched the business XXXX and found numerous scam and Fraud ; i.e. Construction, Employment, Government grants, and not to mention, Transport Servic. 
Now, Synchrony has manipulated my payment and fraudulently attributed {$11.00} to " Interest Paid ''! 
All previous statements are 0 Interest.

Previously, Synchrony stated I'm " Responsible, Authorized, Participated In or Benefited. '' False. 
I asked Where, Exactly, did the XXXX charge emanate from? 
They've been adding late fees, Interest And sent me not just one, but 2 different credit cards! 
They harrass me for payment, but never did an actual real investigation. 
Reported i.d . theft when I stated never received card, and pointed out One fraudulent charge by XXXX!
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: ACIMA CREDIT, LLC (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergent Resources, Inc. (VA)

I am on the DO NOT CALL REGISTRY yet I received a call from " Convergent Outsourcing '' regarding debt collection, but my credit history is excellent. The number they asked me to call is XXXX. After looking on the internet, I see a lot of people have complained about this number as well. Please do something about this organization.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I AM NOT A LAWYER I AM XXXX XXXX XXXX, A NATURAL PERSON AND A FEDERALLY PROTECTED CONSUMER THAT KNOWS THEIR RIGHTS! Experian has violated my consumer rights! They refuse to respond to any of my letters, my complaints on here, and they won't look into the companies I disputed on my consumer report ( They close the dispute immediately EVERYTIME ) I Have IDTheft reports on these companies and they still refuse to delete them or PROPERLY look into these companies. Their excuse is stating that I am a lawyer which I'm not! they are basically calling me dumb because I know my rights which is not right at all! They're discriminating against my character. They have violated SOOOOOOO MANY LAWS! I, XXXX XXXX XXXX Give my consent ( for the 4th time ) For Experian to respond to this complaint.
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (LA)

I have disputed with Equifax that I was a victim if identity theft and that these are accounts and inquiries that are reported on my FTC report are fraudulent accounts. I would greatly appreciate your assistance in this matter. XXXX and XXXX have since removed these fraudulent accounts and inquiries. These is always an issue with Equifax following the FCRA guidelines and laws.
Consumer complaint received 2021-12-30
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (OH)

Dear Sirs, On XX/XX/XXXX I sold my property. The mortgage company, Midland Mortgage reported the mortgage paid in full to the VA on XX/XX/XXXX. On XX/XX/XXXX Midland Mortgage reported my account as delinquent. I have contacted them several times with no relief. 
They have acknowledged the mistake and their error in reporting the erroneous information. What they lack is the desire to correct it. 
I contacted the credit bureaus an filed a dispute in an attempt to correct this matter and resolve this matter but haven't received a judgment as of yet. I would appreciate your assistance in getting this matter resolved.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (VA)

I am a victim of possible identity theft. An amount of {$4100.00} has been placed for collection by XXXX - on XXXX/XXXX/XXXX - through a collection agency named Convergent LLC based in XXXX in Washington XXXX ( XXXX ). I have not subscribed to XXXX as XXXX XXXX XXXX has been our communications provider for decades. I added XXXX phone/internet/FiOS service in XXXX XXXX. I had some messages from XXXX collection at that number ( XXXX ) but ignored those thinking these were for the previous holder of that number. 

I have so far informed the XXXX credit bureaus and Washing State Consumer Complaints division. 

As a XXXX I am charged with reporting any such fraudulent activity affecting me.
Consumer complaint received 2021-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Have tried three times to get the information on eliminating PMI. Will not let me get to payoff amount that it takes to no longer be charged that fee. I have been a customer for 12 years and have NEVER been late on a payment. I have called and put on hold all times until they just hang-up. Over 3 hours of my time wasted just on those calls alone. They know that I should not be paying PMI any longer and they keep avoiding me. Also, I have sent two Certified letters asking for that info and all they do is respond with a canned e-mail. Please help, this is not right!
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

These Two accounts are still reporting on my Experian Account. I have included evidence that Experian has deleted this account but is still reporting it onto my credit report. I have called Experian and reported it to them but they have yet to solve this problem. I have even mailed them showing them proof that these accounts was deleted and is still reporting on my credit report. The two account numbers are : XXXX and 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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent by certified mail to each : TransUnion XXXX XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/2021 2021
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc. (FL)

I began receiving phone calls in relation to a debt I do not believe I owe, for a hospitalization in 2014 for which I had already paid the ER bill. The debt collector would not provide me with information about what the debt was from, specifically. I was afraid that they were not a legitimate debt collector, and I did not know where the debt from from. I therefore sent them a letter on XXXX XXXX, after many harassing phonecalls but NO mail received, asking them to contact me via mail and provide me with the following, as they are obligated to do under FDCPA section 809 : What the money you say I owe is for specifically, with a breakdown of charges and the bill from the original debtor ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor specifically, not the umbrella term of " XXXX XXXX '' as I have called both branches of XXXX XXXX to no avail ; Prove the Statute of Limitations has not expired on this account ; Provide me with your license numbers and Registered Agent. 

It is not XXXX XXXX and I have not received any of this information from the credit agency, Optimum Outcomes. I have called XXXX XXXX and verified that my ER bill is paid. I am now being declined for loans and credit cards because of the negative impact Optimum Outcomes has made on my credit report while trying to collect a debt that they refuse to even provide information for.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (GA)

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. 

1 ) XXXX XXXX XXXX : # XXXX 2 ) XXXX XXXX  : # XXXX XXXX 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 an 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.