davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I contacted Equifax on XXXX XXXX via letter of the error on my report of the Office of the Attorney General Child Support showing i am owing them XXXX. I contacted them and discovered I DO NOT OWE! It is on my credit in error and I am attaching a copy of my report from XXXX  to show they are reporting {$0.00} balance!
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello my bank account was wiped clean on the night of XX/XX/2020. I currently have Bank of America. Somebody stole {$1200.00} from my account and left me with {$20.00}. I received a letter within a week of when my case was closed. I called on XX/XX/XXXX and they closed my case within a day. The letter on the date is XX/XX/20. I will attach it below. I had to reopen my claim on XX/XX/XXXX. They told me they filed a hardship which is suppose to speed up the process and I have yet to receive an answer. I have called on multiple occasions and I still don't get a response. Some representative tell me they filed another " hardship '' while I have other representatives are telling me they aren't doing any " hardship '' claims because of the volume of fraud cases they are receiving. I feel like they are playing around with me. Every time I call its always something new and I get the run around. I was told by a Supervisor named XXXX that legally they had 45 days to give me a response. I called after the 45 days I still get no response other than its still pending. I was told by another supervisor that I was suppose to receive a progress report in the mail and I have yet to receive that. That same person was the one who told me they had done something wrong on their part because its been more that 45 days, but when I call back they tell me they have done everything they could on their part. I will also be attaching my last billing statement as it is a EDD account.
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank, the issuer of the Care Credit card, fraudulently, without my knowledge or consent, initiated chargeback disputes on transactions totaling {$21000.00}. Not only was this done without my knowledge, they did so at my protest. Also, as you can hear in the attached recording of my XX/XX/year> phone conversation with a representative from Synchrony, I explicitly advised them I did not initiate these chargeback disputes and the representative agreed to have them canceled. ( Note at the time of this phone conversation I was in New York State visiting family and New York is a one-party consent state. ) Further, I provided each of the merchants who's transactions were chargeback, with the attached letter, they could in turn provide to Synchrony ( and most did ), which explicitly states : 1. At no time have I ever requested or consented to the initiation of any chargeback or dispute of any transaction in which my Care Credit account had been used to tender payment to any merchant including the providers referenced above ( herein, the Providers ). 

2. Synchrony Bank initiated the current chargebacks disputes without my knowledge, request for, or consent. 

3. I have reviewed all transactions on my Care Credit account and can confirm with absolute certainty that the principle amounts of each transaction is correct and undisputed. ( This does not include fees and other costs assessed by and paid to the card issuer, Synchrony Bank ). 

4. I confirm that I am either in possession of and/ or benefited from the services and/ or goods rendered by the Providers in which my Care Credit account was used to tender payment for. 

5. I have no current or prior concerns regarding the quality of the goods and/or services obtained from each of the Providers, which could entitle me to initiate a billing dispute through my card issuer. 

6. If Synchrony Bank continues to pursue the chargeback disputes theyve initiated, they do so with out my cooperation or support.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance {$240.00}
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: The Phoenix Recovery Group (CA)

I obtained a copy of a report that indicated I had an outstanding debt to an apartment complex ( creditor ) for approximately {$4100.00}. The " debt '' was purchased by Phoenix Recovery Group XXXX XXXX XXXX, TX XXXX. This is not my debt. Please note that I was a victim of both XXXX! and XXXX  data breeches ( confirmed ). Also I have had a vehicle broken into and personal documents stolen. 

When I contacted the collection agency ( Phoenix Recovery Group ), I informed them that the account was not mine and requested all documents related to the debt including proof of assignment. Phoenix Recovery 's response was for me to provide government ID establishing " who '' I was and utility bills, check stubs, etc., establishing my address. That information was provided. The document that was received was a single sheet copy of a rental agreement bearing ( a variation of ) my name and nothing more.

I have attempted to reach out to them several times but to no avail.
Consumer complaint received 2021-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

Hi. I am in the process of applying for Public Service Loan Forgiveness of my federal student loans. They are currently serviced through Fedloans. I have made 122 payments and so should qualify for forgiveness under TEPSLF ( I do not qualify for PSLF as I was in the wrong payment program for several years due to bad information from the loan servicers ). I am having an issue with Fedloans where they are showing numerous payments I made as ineligible for TEPSLF due to " No Bill. '' In addition, numerous payments are marked " pending manual review '' and have said that for several months, with no movement. All in all, the counter on the FedLoans website is showing that I have 64 eligible and 58 ineligible payments for TEPSLF. All of the " ineligible '' payments are from before XXXX when my loans were being serviced by other servicers ( Direct Loans, XXXX, XXXX XXXX, and XXXX XXXX, and they all say " No Bill '' or " Pending Manual review. '' I have paid my student loan payment every single month since it first came due in XX/XX/XXXX. I have talked to customer service at FedLoans and they tell me it can take a YEAR for the manual review to occur! As I am eligible for forgiveness right now, I should not have to wait a year due to accounting errors or lack of information in FedLoans own records. Is there any way you could help me resolve this issue?
Consumer complaint received 2021-09-15
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: NAVY FEDERAL CREDIT UNION (FL)

I hired XXXX XXXX to help me with removing items that were hurting my credit score. The Navy Federal Credit Union account XXXX was removed from my credit in XXXX. The same account and same amount was added back on to my report and I do not understand why. This account was first reported in XXXX, over ten years ago well past statue of limitations. I am submitting this complaint on behalf of myself.
Consumer complaint received 2021-01-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and XXXX credit companies. It was removed from Experian as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.
Consumer complaint received 2021-09-15
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 requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. Equifax refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted immediately.
Consumer complaint received 2021-01-04
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern : I am a chase mortgage customer and current customer with the bank for my savings account and credit cards. On XX/XX/XXXX I called in to make my mortgage payment and spoke with a lady on the phone that asked for all my account information in order to process. She took the info and processed the request. My mortgage lender then pulled a credit supplement and that proved that my mortgage payment was paid on XX/XX/XXXX and we moved on in processing. Later it was found out that they had rejected my payment as they said they took the incorrect account number information. They said they called multiple times to reach me, but they never had left a voice mail and I have been getting multiple solicitations from car insurance companies so I was not picking up any calls that I wasn't aware of the numbers. When I found out that the funds were never taken out of my account I called in to figure out what was going on. They explained the situation and I made the payment again. Now they are reporting a 30 day late on my credit and this has killed my refinance. I attempted to make the payment on time. I got no written correspondence of the issue. I received no voice mail of the payment issue. My asset accounts are all with Chase currently. They mentioned that the call was recorded and they pulled the call, but I want to hear the call as well as I know I just gave the lady the information that she requested. They are claiming that the last 3 check numbers were on the account number, but the lady had asked for the entire number. please help as if the covid pandemic wasnt enough now I am being held up on a refinance that can definitely help my situation. Please help in removing this late on my credit, thank you!
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Via Capital One online bill pay, I requested that $ XXXX be paid to [ payee ] on XX/XX/21. The payment appears to have been made as requested, sent as a paper check to the payee. Capital One claims that the check was cashed XX/XX/21, however the payee claims to have never received it. Payee has requested a front-and-back copy of the processed check to see who endorsed it and the processing information. This should be an incredibly simple request. However, I have been on on the phone with Capital One now for THREE HOURS ( over various calls and several days ) with no resolution. Three times they have sent me a copy of the original check with no endorsement or processing on the back. They give me SUCH a run around when I call, putting me on hold, transferring me to someone else, etc. The call I'm on as I type this is currently in its 41st minute, and I asked FROM THE GET GO to speak with a manager because I have learned that the people in the first line don't understand check routing and can't follow a simple request. 41 minutes in, and I still have not been allowed to talk with a manager. ALL I need is a copy of the processed check. Thankfully this is just $ XXXX, and at this rate I'd be better off just repaying it. But I'm deeply bothered by their incompetence -- what if this were a {>= $1,000,000} check?!? This is an abhorrent display of dysfunction, incompetence, and disrespect of my time. ( Information redacted due to publishing privacy concerns )
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Group, Inc. (OR)

I have repeatedly requested they send me a validation notice. I still have not received anything to verify thier claim of money owed. There is nothing to access online. I am told they are unable to email it, paperwork would be mailed. I have yet to receive any mail correspondence. Per FTC guidelines I should have received that documentation within 5 days of initial contact. 

They have left voicemails on my shared cellular phone number stating that they are a debt collector attempting to collect a debt. The caller leaves the ARG phone number but the caller doesn't disclose their name or the company name in the message. I had to do a web search on the phone number to find out who it was that called. This is another violation as the FDCPA does not permit debt collectors to disclose personal information to any third party.

I have never signed a HIPPA release form for the alleged creditor ARG to have access to any of my medical information.
Consumer complaint received 2021-01-04
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I used my Macy 's American Express credit card to pay for a cruise with XXXX XXXX XXXX. Due to the pandemic, I could could not cruise on XX/XX/XXXX as scheduled. I tested positive for the XXXX XXXX on XX/XX/XXXX which I contracted at my job working at XXXX. My section commanding officer died of XXXX XXXX as well as my coworker. Thankfully I lived. The cruise was cancelled regardless. 
I complained to Macy 's American Express that I did not want to pay the {$2400.00} charged to my card by XXXX XXXX XXXX. Macy 's American Express sided with XXXX XXXX XXXX and refused to credit back to my card the {$2400.00}. The reason I am told is that XXXX XXXX XXXX is willing to provide me with a credit one year from the cancelled cruise to use toward a future cruise. This is a ridiculous position for Macy 's American Express to take. I use my Macy 's American Express because of their advertised benefits of protecting their customers. I am being asked to pay for a future cruise now, during a pandemic, instead of receiving a full credit to my card. I do not even know if XXXX XXXX XXXX will be in business in the future. I do not know how, I am suppose to actually go on a cruise in XXXX based on the current outbreak of COVID cases in NY. Yet, I must pay Macy 's American Express their money. Macy 's American Express should be telling XXXX XXXX line that the consumer should not bear the cost of a future hypothetical cruise at the present time.
Consumer complaint received 2021-09-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bliksum, LLC (CA)

Settled a loan Two years ago with one company now another company has to loan, now they wants to paid again calling wants me to submit document. I told the to call the original creditor.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (NJ)

Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to Experian, XXXX XXXX XXXX, XXXX, and XXXX XXXX. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2019-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (NJ)

After requesting a copy of my credit report I found that Amerifinancial Solutions had placed a collection account on my credit report on XX/XX/XXXX. Previous to this I had not been contacted so I was never given the right to dispute the item. The amount is for {$350.00} for service that was rendered sometime in XXXX that had been previously disputed. I requested a copy of my credit report after I received an alert that my credit score had dropped.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to XXXX, XXXX XXXX XXXX, XXXX, and TransUnion LLC. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (VA)

Payoff check was sent on XX/XX/2020 and received by Ally Financial at XXXX XXXX XXXX XXXX Ky XXXX on XX/XX/XXXX at XXXX XXXX. 
A Certified Return Receipt mail was used to track the check. Tracking number XXXX. An Official Bank Cashier 's Check made payable to Ally I/A/O {$46000.00} was sent for full payoff and extra per diem. 
Ally is threatening to repossess this vehicle and claims to not have received the above- mentioned Cashier 's Check. The return receipt shows a signature of a XXXX XXXX. Proof of this delivery and image of the signature was provided to Ally on XX/XX/XXXX at XXXX via Ally fax number XXXX. 
There have been three attempts to communicate and ask Ally to locate this check which was duly delivered to them on XX/XX/XXXX. We are asking for government help in stopping a large corporation from hurting the credit and unlawful repossession of this XXXX XXXX XXXX XXXX. 
Thank You
Consumer complaint received 2021-09-15
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. (CA)

I the consumer XXXX XXXX, was the victim of identity theft and I have fraudulent accounts showing up on my consumer report as a result of the identity theft. Please block and remove the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I tried to open a account with USAA a few years and discovered that I have a account opened in my name with a negative balance which I did not open. I have spoke with there fraud Department several time to conduct investigations with no results at all. I have reported them to the CFPB three times also and still nothing. I have reported them to identify theft. gov and they replied that they declined to provide me with the information based on FCRA section 609 ( e ).