davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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: SYNCHRONY FINANCIAL (FL)

I purchased furniture from Ashley Furniture and they opened 2 cards in my name. Each one had a credit limit of {$8300.00}. When I looked at the charges on line I noticed they over charged one of the cards {$11000.00}, which makes my card over the limit and shows I have - {$2600.00} available credit. On the other card they originally charged me {$3400.00}. They also had a charge pending of {$6400.00}. My total charge for my furniture was {$14000.00}. I called the sales person several times and she basically told me that it is in the hands of the store now and not to bother her anymore and even hung up on my one time. I have been on hold with the customer service who tells me I have to talk to the store directly. I have sat on hold several times for many hours. One time it was for around 4 hours and sometimes they just don't answer there phones, so the only department you can talk to is customer service. I have been told several times after I talked to someone that they are working on it and give it 72 hours. Nothing changed so I physically went to the store and spent 2 hours discussing this. When I got to the store they said this is the first they heard about this, so obviously they were just blowing me off. 
They acted like they were going to fix it. They are supposed to remove the {$6400.00} that was pending so I would have enough credit to move XXXX to the other card and then they would credit the card that was over the limit the {$3000.00} and it would take up to 72 hours. That was XX/XX/21 and now they have removed the {$6400.00} pending and added charges on XX/XX/21 which are pending of {$3000.00} and {$3000.00} so I am back in the same boat. I have been on the phone with them again and still no resolution. I am trying to refinance my house and this is damaging my credit. I don't know what to do. How to resolve this issue. I have been trying to resolve this since XX/XX/21. I am on hold with them right now trying to resolve the issue and have been on hold for over an hour so far.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Consumer complaint received 2021-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (IL)

Heights finance in Illinois I believe took advantage of the pandemic and sued me in small claims court a lawyer that I had hired failed to show up on my behalf I got hurt at work the day before and was incapacitated for three days and had a concussion that lasted 30 so I could not appeal and the court will not allow me to appeal the decision after I had pointed out to them that I could not make the hearing because I was incapacitated I feel like I did not get a fair trial
Consumer complaint received 2020-03-26
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc. (AZ)

My hippa rights were violated. Resolve inc sent me debt validation with my medical information on it including procedures and medicines. My mother in law opened my mail and saw all of my information as well. They have no hippa disclosure included in the letter and I have never signed any type of hippa release.
Consumer complaint received 2021-03-14
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: U.S. Collections West, Inc. (AZ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My name is XXXX XXXX. I'm in the process of refinancing my home. Unfortunately when the title company ran my info the following lien / loan appeared and I do not recognize it. This mortgage of {$15000.00} has been outstanding since XXXX. Nobody contacted me to pay them back and it does not show up on my credit report. The title company will not remove it until they get permission from who I do not know. I tried calling the companies involved but it was sold to HSBC. I tried contacting them but they were bought out too. I tracked this loan and it has been bought and sold at least 6 times and when I contacted them they are telling me the loan does not exist with them. I tried everything and now I'm reaching out to you regarding this situation. Below is the response I received from HSBC : We are not authorized to release the lien as servicing was transferred to XXXX XXXX effective XX/XX/XXXX. XXXX was acquired by XXXX, and subsequent its assets were acquired by XXXX XXXX XXXX XXXX. Please contact its servicer XXXX XXXX servicing at XXXX XXXX XXXX, XXXX, SC XXXX, Ph. XXXX. 


Name XXXX XXXX Address XXXX XXXX XXXX XXXX NY XXXX Tele XXXX XXXX XXXX Date of Origin XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX Recorded XX/XX/XXXX Title # XXXX Liber XXXX Page XXXX
Consumer complaint received 2019-10-01
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. (OH)

i have had an account showing late payments and charged on my credit report. i have requested this fraudulent account to be removed atleast 9 times yet its still displaying on my credit report this account does not belong to me. i did not open this account please remove this account from credit report. 

XXXX XXXX CREDIT LINE.
Consumer complaint received 2021-10-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had two fraud transactions on my Bank of America credit card on XX/XX/XXXX, with the amount of XXXX in total ( one is XXXX, and another one is XXXX ). 

I called BOA the first time I found the fraud transactions, and they refund me quickly However, on XX/XX/XXXX, BOA put those two transactions on me again with the name of XX/XX/XXXX XXXX XXXX. Though I dispute them again on XX/XX/XXXX, they made a final decision on XX/XX/XXXX and recharged me with the name of XXXX XXXX 

I called for several times to find out what happened, and a specialist told me that after investigation, these two transactions were to purchase health care products and the products were sent to my address. I asked for details about the address, and the specialist said it was my apartment address but different apartment number. They couldn't dispute these two transactions because the person living in that unit may be my relatives or friends. BOA insisted that it was my job to prove that that person had no relationship with me, and that specialist asked me to get the police report. I thought that was ridiculous but I still did what he insisted me to do. 

I got the police report, mailed it to BOA as they requested, and called to make sure they received it. They said they reopened the investigation for me and I could see the claim in my message center. This conversation happened on the early XXXX or the late XXXX, I couldn't remember clearly. Now, almost three months passed, I don't see any existing claim in my message center, nor get my money back. I think they lie to me and wait me to forget it.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MS)

I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by LVNV Funding, LLC, through a law firm c/o XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS , for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with XXXX XXXX back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXXVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX ) only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.
Consumer complaint received 2024-03-18
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. (TX)

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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX. XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
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: ALLY FINANCIAL INC. (PA)

To Whom It May Concern, These Companies is Reporting Inaccurate information on my Consumer report.I asked these companies to provide me with validation of these alleged Accounts and they sent me copies of installment contracts. My right to privacy has been violated.

Pursuant to 15 U.S Code 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.

Pursuant to 15 U.S Code 1681 604 2 : It States a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-05
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. (DC)

I sent in a letter XX/XX/2021 about incorrect information reporting to my credit report. It was a list of personal information and accounts that does not belong to me.I asked them to investigate and remove this information. Its been over 30 days and they have not got back to me, they still have no update. This is completely absurd that they can treat people this way.
Consumer complaint received 2021-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

I purchase a home I only been here for 5 months and my mortgage company Amerihome keeps increasing my mortgage Im struggling to pay I dont understand my taxes nor have my insurance increased why is my mortgage steadily increasing? They have enough to pay principal and interest and my taxes what is happening This will cost me to lose my home Please help me my name is my mortgage company is Amerihome my loan rate is locked not adjustable!
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (ME)

I tried to buy a XXXX pound XXXX coin for my coin collection. They shut my card off stating I broke the rules by trying to buy money. The denied me access to the web page so I can no longer make payments.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I opened a credit card in XX/XX/XXXX. The card was active and in good standing until XX/XX/XXXX. I tried to use the card on XX/XX/XXXX, and was told by the place of business that the card was deactivated. I contacted the credit card company the next day and was told the card was deactivated without reason. All information of this card was immediately deleted from my credit reports which caused my credit score to decline. I sent a letter to the company requesting a reason for the closure/deactivation and have received no response.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

From XXXX XXXX XX/XX/XXXX i sent XXXX via Wells Fargo payments to a person who claimed to be looking for a roommate. I sent money to them under the impression i would be living there aswell. As soon as they recieved the full amount of money they didn't not give me a key to the place and refused me entering the property. There were multiple people involved in this scam. They also refused to give any of the funds back. I sent a total of XXXX to this person. Another company who has also been made aware of the issue is XXXX XXXX XXXX XXXX since they added my name to a rental agreement as an occupant even though i didn't not live there nor signed any official documents. They just accepted the payment. 


XXXX XXXX XXXX XXXX only agreed to removing my name.from the rental agreement Wells Fargo has offered to investigate these transactions and filed a claim
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (GA)

My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.
Consumer complaint received 2020-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THIS ACCOUNT DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Consumer complaint received 2021-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (FL)

On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to Check n Go, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with Check n Go he said it was for a loan in XXXX. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that Check n Go knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called Check n go and they said I owed a debt for {$250.00} not {$700.00} from XXXX and I asked if I could verify the loan but check n go stated that I'd have to call XXXX XXXX XXXX at XXXX. I XXXX that company and filed a XXXX complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.
Consumer complaint received 2021-10-04
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: JPMORGAN CHASE & CO. (CA)

I have two credit cards with Chase. On one of them I have 2 active disputes that were closed in favor of the merchant, without me being given a chance to rebut what the merchant claimed. In fact, one of the was a fraud charge and Chase customer service ( some of the WORST I have ever experienced ) either hung up on my face ( 3 times ) or said that information was private and can't be shared. I am the CONSUMER -- nothing should be kept from me. Here are the two charges they rebilled : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  opens menu {$40.00} See details about this transaction XX/XX/2021 REBILL AMZN Mktp XXXX Shopping XXXX opens menu {$46.00} For the Amazon charge, I explained the book seller who failed to send me the book was paid by Amazon already. Chase decided I should pay him an extra {$46.00}. Seriously? I have been your loyal customer for 15 plus years! As for the {$40.00}, this was FRAUD. She ran my credit without my permission and lied and said this charge was for an application to her apartment complex. Again, Chase sided with them!

If this isn't fixed, I am cancelling both cards and advising all family and friends as well as social media that your company is TERRIBLE. Before COVID, your customer service was great -- it's now XXXX.