davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (NY)

I have disputed these items on my credit report multiple times I have not received any verifying documentation from the XXXX credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter immediately
Consumer complaint received 2023-06-23
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (DC)

I had a reoccurring payment setup on my Discover Credit Card, then I did a one time payment of the statement balance on my credit card to be paid XX/XX/2019, when doing this I remember it promoting me to ask if I wanted this payment instead of or in addition to the reoccurring payment, I said instead of. Also, I had no reason to believe my credit card company would take more payment than my statement balance at one time. This payment was setup about a week before the payment, I do not have the exact date. On the day the payment was due both the reoccurring charge and the statement charge were taken out, my Discover account was overpaid by {$1700.00}. I immediately contacted Discover to have the {$1700.00} payment reversed, I believe it was XX/XX/2019. They told me I had to fill out a form and the money would take 12 business days to be refunded to my account. Though I said this was not appropriate due to the situation, I filled out the form because I felt it was all I could do. I continued to receive communications from representatives over their chat function for days who continued to ask me to fill out the same form, which confused me. I finally called and asked what was happening on XX/XX/2019. I was on the phone for half an hour and a representative confirmed that the refund had been requested on the XXXX and I would get the money soon. When 12 days was up I contacted the company again and they said the refund wasn't able to go though because they didn't have the right information. I requested a refund to the same account they withdrew the money from and had submitted 4 electronic forms with the information, which included the routing and account numbers. I submitted another form and was told it would again take 12 days from the new time I contacted them, which would actually be the same day that my monthly payment is due. I have still not received any money back, no clear way of how to get it, and no monetary credit for the inconvenience of having my bank account overdrawn by {$1700.00}. This is theft and is not okay. The worst part was that every time I contacted them to get this dealt with they kept blaming me for the error when they created a situation where my account was {$1700.00} overpaid for a month.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. Address proof sent. 
Please delete these items. Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX  * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * Bankruptcy XXXX XXXXXXXXdismissed, wrongfully filed under my social XXXX report and ID and address verification attached*** ADDRESS ATTACHED AND FTC AND ID AND SOCIAL
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (DC)

I missed two payments with Discover and they did not notify after either of the missed payments, nor did they notify me of any past due payments. I called the company and they confirmed that they did not send any notifications around past due or missed payments. Had they done this after the first missed payment I could have remedied the situation, not missed a 2nd payment, and not had my credit score impacted by the late payment ( s )! Discover confirmed they have a department that provides this type of notification service but it is unknown why I was never notified and why I did not receive the same service other customers receive.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 Wells Fargo Ran my credit check for mortgage loan I have not applied or asked for loan from Wells Fargo, They ran my credit without my consent, They have not replied back yet after sending fax, and emails to Wells Fargo, they can not find any transaction but it has shown as a hard inquiry on my credit report. The Reference Number I got from XXXXWells Fargo Mortgage XXXX XXXX # XXXX. Someone ran my credit in Wells Fargo and they are not letting me know or replied back to my emails, Wells Fargo Mortgage Customer Service can not find this reference in their data base they are saying. I need this to be removed from my record and know who ran my credit without my consent, i was waiting to apply for home loan but now its on hold because of this.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Im writing about a dispute the following charge from Caliber Homes Homes. 

XX/XX/2022, Caliber Home Loans Inc {$600.00} I was charged {$600.00} for this appraisal but was given an unfair home appraisal. Ive attached documentation of attempts to dispute the appraisal and repeatedly denied by the Caliber Homes Mortgage Company. The value they gave me does not coincide with what I could get for it and many homes sold in the area at the time. I corresponded with Caliber between the months of XX/XX/2022 and XX/XX/ 2022 to dispute their appraisal as quite wrong and it seemed like they were just wanting to get my XXXX to deny me a refinance. Additionally, I feel like there was some discrimination here as its common for appraisers to appraise less for XXXX and XXXX neighborhoods. This neighborhood is primarily XXXX and XXXX. I sent them 9 homes that sold in the area for more than what they appraised my home in the last six months. 9 homes is a big comparable difference in XXXXXXXX. They appraised my home at under XXXX, this is not even the amount of sales that happened in the last six months. 
I refuse to pay for discriminatory practices and XXXX XXXX XXXX would not dispute the transaction for me anymore. My dispute process has been left to file a complaint for discriminatory appraisal practices.
Consumer complaint received 2021-09-30
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. (FL)

I have submitted several request to Experian to correct the information that is displayed on my report. Experian is falsely and negatively reporting 2 loans with the same company for one vehicle. The reporting shows two different account numbers and status. This is nefarious and deceptive. This inaccurate reporting has caused me significant financial harm and is a violation of FCRA.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (VA)

On XX/XX/2023 I was driving on XXXX XXXX XXXX while the vendor ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was conducting some repairs around toll booths at the location. My transponder did not work properly there, either because of vendor construction work or because transponder battery expired. I ordered a new transponder and returned an old one as XXXX as required by service agreement. 

On XX/XX/2023 I received a notice from XXXX XXXX requiring payment of said tolls plus excessive administrative fees and dispute resolution form. I filled the form indicating my XXXX account number. I considered the matter resolved as I was diligent customer of XXXX for decades. However, vendor ignored my request and send me another bill with even larger administrative fees and threats of legal action. 
The notice number they sent is XXXX. My XXXX account number is XXXX. 

Despite having an XXXX transponder and vendor policy of charging fees in such case to my existing account, I have been charged exorbitant fees for using XXXX toll roads. I did pay the amount requested of {$55.00} to stop accrual of fees, but have contacted the vendor and informed them of this issue, and requested refund, but they initially have ignored my dispute form request and continued to over-bill me with additional fees. I have also received threatening legal action if I fail to pay these charges, which is unacceptable. 

After my multiple complaints to XXXX  state authorities the vendor did refund the fees of {$55.00} on XX/XX/2023, therefore I considered the matter resolved. However, it turned out that vendor decided to turn the case to the bill collector ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ) to collect {$200.00} (! ) for the resolved matter. I consider this a blatant violation of FDCPA in order to continue to harass me for the debt I never owned and violate federal consumer laws for corporate enrichment. 

I am very disappointed with the vendor 's illegal action in resolving this matter. I have tried to resolve this issue amicably, but it seems that my concerns have fallen on deaf ears. 

Thank you for your time and attention to this matter. 

VENDOR : XXXX XXXXXXXX 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 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FirstKey Holdings, LLC (FL)

XX/XX/XXXX First Key Mortgage purchased my loan from XXXX and has it serviced with sXXXX XXXX XXXX ( XXXX ) After years of numerous complaints regarding XXXX overcharging me thousands for taxes and insurance : I tracked down XXXX Key mortgage and notified them of the clerical errors and the hardship it has cost me as i am a XXXX veteran. Another month has gone with no word from them either! 

XXXX & XXXX FOR XXXX TOTALED {$3300.00} NOT {$4800.00} XXXX & XXXX FOR XXXX TOTALED {$3200.00} NOT {$4100.00} ESCROW ANALYSIS FOR XXXX & XXXX ARE WRONG BY THOUSANDS MAKING MY MONTHLY PAYMENT MORE THEN IT SHOULD BE!!!! 
my {$890.00} mtg payment carried over from XXXX XX/XX/XXXX should NOT change until the new XXXX policy took effect XX/XX/XXXX. What is a bankruptcy payment and all fees? Escrow should have {$1400.00} carried over from chase where did it go? 
Enclosed is the Escrow disbursement from XXXX CLEARLY THE NUMBERS HAVE NOT BEEN UPDATED TO REFLECT MY POLICIES... WHY? 
My insurance company XXXX contacted XXXX XX/XX/XXXX on my behalf to request the analysis be corrected for XXXX & XXXX, and UPDATE new policy for XXXX date and price ... XXXX  REFUESED TO PROVIDE ANY INFORMATION!!! WHY? 

XXXX XXXX servicing needs to ADMIT THE CLERICAL ERROR AND FIX IT!!!!! 
apply all escrow payments at the time they were made NOT 6 MONTHS LATER. REMOVE ALL FEES AND CORRECT THEIR CLERICAL ERROR BEGINING IN XXXX AND RERUN THE ESCROW FROM XX/XX/XXXX WITH CORRECT NUMBERS TO DETERMINE A CORRECT PAYMENT. IN XX/XX/XXXX XXXX THE ESCROW WITH CORRECT NUMBERS FROM POLICY AND ALL OVERPAYMENTS APPLIED TO MY PRINCIPAL BALANCE!! 

ENCLOSED IS XXXX XXXX AND ALL RELATED INSURANCE. PLEASE DONT LOOK AND CLOSE MY CASE I WANT ANSWERS AS TO TWHY THE REFUSE TO CORRECT. HOW IS THIS LEGAL????
Consumer complaint received 2023-02-22
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. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-06-10
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: Self Financial Inc. (WI)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 166B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

This concerns a credit card issued by Synchrony Bank ( XXXX XXXX XXXX, XXXX, PA ) to pay for a home improvement. The card was advertised as an interest free card, when in fact it is a deferred interest card. The period ended in XXXX of this year and there was no direct notice of the end of the deferred period beyond a notices on the monthly statement that was not very prominent. I also made payments, above the minimum, online not paying much attention to the hardcopy statements. There were no warnings about the end of the deferred period online. When I went to pay the monthly charge online I notice that the balance had changed by {$5700.00}, the amount of the deferred interest. When I called Synchrony to ask about the charge and explained that I had every intention to pay the balance due to avoid any interest charge, they were completely unwilling to consider removing the charge and consider that their online notification at the end of the deferred period was absent. This deferred interest card product preys on consumers that don't pay attention to hardcopy statements or pay online. Such products should be illegal. 

XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC (LA)

On XX/XX/XXXX I entered into a security agreement with Flagship Credit Acceptance LLC. On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was illegal repossessed by Flagship Credit Acceptance LLC. They violated UCC 9-704 by enforcing an unperfected secuirty interest without filing a financing statement per La. Rev. Stat. 10:9-501 ( a ) which states that if local government governs the perfection of a security interest, a financing statement must be filed to perfect the security interest with the department of Motor Vehicles and UCC 9-310 which states that a financingstatementmust be file to perfect a security interest. As I have stated since XXXX of XXXX before the illegally repossession, Flagship never filed a financing statement and therefore had not perfected its interest, and their counsel even confirmed that they did not need to by quoting UCC 9-311, but as you can see Louisiana Statute clearly states that a financing statement must be filed for perfection. I filed for arbitration, as all claims are to go through arbitration, and stated I wanted my car back constantly and placed it appart my claim. When I informed Counsel XXXX of the Louisiana statute, he provided to me a document purchased from the department of Motor Vehicles showing me as the owner of my vehicle on XX/XX/XXXX. I informed him that we were both aware that you can obtained a certificate of title using the security agreement, but the perfection of it security interest can only be through a financing statement if the enforceability is to extend beyond the one-year which ended in XXXX. And then on XX/XX/XXXX, he stated that my vehicle was sold in auction, as I, once again, requested for its return as the burden of proof for the requirement of a financing statement had been statified. I informed him that this malicious intent was done against his oath of office as he has a duty to the law being upheld. But, through false statements and the consent to allow his client to make false statements they violated state and federal law. My vehicle was allegedly sold at auction without the proper right of possession. I requested the auctioneer information and the exact date of the sale and was told that he did not have it yet. And, yet he was aware of the sell. As a financial institution, Flagship have an obligation to follow state and federal laws of securities under Secured Transactions of the Uniform Commercial Code.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I tried to reach venmo customer service and asked them to fix the problem. They informed they will fix the problem and send the link to fix it. They never did it. I have around {$800.00} in venmo XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC 1692 ( G ) to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts.
Consumer complaint received 2023-12-30
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: GOLDMAN SACHS BANK USA (PA)

On a XX/XX/XXXX I was the victim of identity theft. Someone broke into an online restaurant ordering website and purchased 18 separate meals from restaurants across the country using my Apple Card. 

I have tried at least five times to dispute the charges with Apple Card and provided a police report, but 10 charges still remain on the account. 

I have tried to speak with the investigators who are working on these disputes, but Apple Card is refusing to connect me to them. 

I have spent hours on the phone to resolve this issue with no sign that the situation will resolve.