davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit 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 (NC)

I purchased furniture from Ashley furniture in XX/XX/XXXX and again in XX/XX/XXXX. I was told we had 24 months promo on interest free ( that wasn't true ). They matured the while account in XX/XX/XXXX. I have called several time I have a payoff check being distributed by my bank. It was delayed by bank but can prove it was written. They don't care charged me interest and penalties because it was late They received payoff check now they are coming after me for interest and penalties which is almost as much as original charge. Even if they charged me for promo they can't charge me fir whole account purchases were not made at same time. I can't get anyone frome synchrony bank other than customer service who are no help
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (NJ)

XXXX XXXX is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. XXXX claims that On XX/XX/XXXX, XXXX XXXX formally known as XXXX now XXXX placed the account in their office to collect a balance of {$73.00} on XXXX XXXX XXXX. XXXX went out of business on XX/XX/XXXX. I don't have an outstanding balance of {$73.00} with XXXX XXXX XXXX also advised that they never sent me to collections. XXXX 's practices are unethical I disputed with XXXX which removed the me from collections but Equifax continues to allow XXXX to report to my credit report even though I do not owe XXXX. XXXX advised that in response to my complaint, they have ceased collection in their office. Equifax needs to remove me from collections and not allow XXXX to report on my credit report.
Consumer complaint received 2023-01-01
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. (NC)

I've sent in disputes to XXXX, XXXX and experian. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

On my XX/XX/2020 statement there was a balance of {$100.00} for a single item purchased. The due date to pay was XX/XX/XXXX. On XX/XX/XXXX I returned the item and received a credit from the merchant for the full amount of {$100.00}. Thus, my balance became {$0.00}. Yet, my XXXX statement had a charge by Citibank dba Sears Card of a late fee of {$28.00}. I called Citibank, whose representative stated that return credits do not count towards the payment due. This is a total fraud by Citibank. The CFPB should recommend that the regulations be amended to make it clear that financial institutions must offset previous balances by any and all credits issued by merchants before the next closing date. Moreover, Citibbank ; s website does not allow for online accounts, such as mine to dispute online any fees. This, too, is another cheating way Citibank prevents cardholders from disputing fraudulent fees. The CFPB should recommend that it be mandatory for financial institutions to allow online disputes of fees.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MN)

My checking account was put on hold around XX/XX/XXXX due to some sort of " suspected fraud ''. I had called us bank about it and after talking to a few bankers they said I had to talk to the electronic fraud person in charge of overseeing my account. After 3 days in a row of trying to contact this person, and leaving him a message, I called again and the banker I talked to said that he still wasn't in and that they would have somebody else look at my account. After being put on hold the person said that my account would be closed and I would receive a check in the mail in 5-7 business days. I asked when they were going to send it and they said right now. Fast forward to XX/XX/XXXX, after waiting for my check in the mail for 12 days I called again and they told me that they never closed my account. After waiting on the phone for like another 2 hours they finally said they would close my account and send me a check in the mail. The problem is it will now be at least 3 weeks total without having access to my money. All of my accounts have now acquired late fees due to the fact that they said they had already sent out my money.
Consumer complaint received 2020-06-15
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: Neon Newco Corporation (MD)

I tried to file a dispute and get a refund in the amount of {$720.00} through CONTROL PREPAID MASTERCARD for services that i payed for that wasn't rendered to me. For a trip that i was making payments on through a travel agency named ( XXXX ) for my up coming Honeymoon to XXXX XXXX  XXXX. XXXX took my money and cancelled my trip and said they were cancelling all trips and shutting down their operations due to the travel band and they didn't issue me a refund. They said i had to go through my bank to get my money back they weren't giving out refunds. The trip in total cost a little under {$3000.00}. But i only got to make two payments on the trip before they cancelled the trip. XXXX has scammed thousand of people out of their money. It has been all over the news. I sent all necessary paperwork to control/XXXX to try to get my refund as a charge back or etc and they denied my claim and said it was between me and XXXX. It was nothing they can do. I've never heard of a bank not protecting you from things like this.
Consumer complaint received 2020-06-15
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. (CA)

I disputed a bankruptcy on my credit report with Experian because it has been over XXXXyrs. They Emailed me stating the investigation was complete and the bankruptcy was to remain on my file. I filed a dispute with XXXX XXXX and XXXX  on the same day and within a few short days both had removed the bankruptcy. I tried calling Experian today, was put on hold for 20min, then the line turned to static. I submitted my dispute with Experian on XX/XX/XXXX. The report # is : XXXX, a reference # is:XXXX
Consumer complaint received 2020-01-02
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: Convergent Resources, Inc. (TN)

I requested debt validation from Convergent Outsourcing TWICE ( once in XX/XX/2019 and again in XX/XX/2019 ) and havent heard a word from them.
Consumer complaint received 2023-06-26
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. (NY)

AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NC)

Tried to re-connect my PNC bank account to XXXXXXXX XXXX  XXXX, so that I could pay some bills that were due the very next day. I signed into my bank account with my username and password, then I had to enter in the security code provided by PNC through text ... ..but it still wouldn't re-connect. So now I'm facing disconnection for 2 important bills because I can't use XXXX XXXX XXXX to get a temporary loan. I signed into my PNC account to send a message and almost 22 hours later, I haven't had a reply back.
Consumer complaint received 2020-04-12
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that Bank of America recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. Bank of America doesn't manage your Fair Isaac Corporation ( FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (AZ)

I have countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/XXXX US DEPARTMENT OF EDUCATION XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

With the impact of not being able to report for work as a result of COVID-19, I sought a forbearance plan with my lender. They agreed to a waiver of mortgage payments for up to 90 days but, in a letter to me, it states that they will report me to the credit reporting agencies as being " delinquent ''. Is that legal since I have a government backed loan ( VA )? It seems to me that this practice of giving me forbearance forces me to struggle to make payments when I'm forced to stay home or, accept the plan offered but risk lowering my XXXX score! What the XXXX kind of choice is that?
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC. (MI)

I saw sofi advertised and thought they would be able to help me get my life in order and fix up my house, so in good faith I applied for an extension of credit and was not told they would be basing my application on a third parties opinion of me and that they would discriminate against me based on a number. They did not make it clear and conspicuous that they have a number raking system to say yay or nay to. I tried speaking with an agent to get clarification and that is when I was told that a XXXX digit number, that was found within seconds, was the reason for my denial. They then proceeded to say they rechecked my information, which again took seconds, and " confirmed '' that the XXXX digit number was the cause. I then asked for my concerns to be moved to a supervisor because I wanted to know how they were able to share my information with a third party without my consent and how they were able to make such adverse actions against me and told I would be connected with a supervisor. I was not and the chat was over. I have yet to hear back and keep getting offers to see my rates. How can I have rates and offers if they already have a determination against me?
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brown’s New Credit Bureau Inc. (MI)

A third party debt collector or private party collection agency, Brown 's Collection Agency, attempted to collect on a debt and charge interest.

According to 22 USC 7102 ( 7 ) debt bondage ( 11 ) severe form- involuntary servitude, peonage, debt bondage.

This practice can be viewed as a type of trafficking with the way the debt collectors were charging interest like in 15 USC 1692f ( 1 ) where it explicitly states what unfair practices are.

31 CFR 5.21c explains when a debtor is no longer employed by the use of the SSN assigned to the consumer. Including the debtor 's final salary payment, lump-sum leave payment, other payments to the debtor by the treasury entity .

31 CFR 5.10d details the procedure for offsetting and to challenge to see if the debt is legally enforceable.

31 CFR 902.2b ( 4 ) The possibility that the assets have been concealed or improperly transferred by the debtor.

This is why Brown 's Collection Agency or Brown 's Credit Bureau can not produce a legally enforcable contract between XXXX XXXX and the company.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and associates is reporting a debt in VIOLATION OF HIPPA LAW. I did not authorize Wakefield and associates to disclose my medical debt to the credit companies, I have not receive anything from Wakefield because I do not have any contractual agreement with Wakefield. They need to remove such debt from all major credit reporting companies ASAP. I will file a case against them for the violation of hippa law.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (WA)

Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am natural person, I am a living human being, I have rights 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 XXXXXXXX
Consumer complaint received 2020-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Dear Officer at Consumer Financial Protection Bureau, My name is XXXX and I am Filing this complaint from XXXX, XXXX. 
Paypal has put a hold on my funds/account on XX/XX/2020, the total amount is XXXX {$XXXX}. I have requested Paypal a review/appeal of my case which was rejected by them. They have not given me a reason as to why they have frozen my account. The money in my Paypal account was generated from selling items on XXXX, all of my buyers have received their items and I have not had any complaints from them. I feel that holding my funds for 180 days for no reason is an abuse of power by Paypal. I lost my job 3 weeks ago because of corona virus and Paypal not letting me access my own money is putting me in a tough situation. I kindly ask the Consumer Financial Protection Bureau to look into this issue and help me resolve it. Thank you. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Paypal case number XXXX
Consumer complaint received 2021-01-13
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. (AR)

I have to file a complaint with XXXX, XXXX  and Transunion. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.