davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XX/XX/XXXX I am in receipt of your letter dated XX/XX/XXXX,  where you state that you are reporting the validity of this account and you are absolutely WRONG! 

I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through Ashley Furniture @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor XXXX XXXX XXXX can verify that they are reporting accurately. 

Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX  and XXXX ) that you have reported INACCURATE information to. 

My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. 

If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. 

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. 

If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. 


XXXX
Consumer complaint received 2024-03-13
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I purchased a XXXX from XXXX XXXX over 6 months ago and opened their citizens pay line of credit. Charged approx XXXX and have been making monthly payments since XX/XX/XXXX. I have been speaking with XXXX XXXX for six months because the delivery continues to be delayed. XXXX XX/XX/XXXX, the. XX/XX/XXXX. Today they told me its delayed again and they can not provide a future delivery date and the manufacturer is no longer in contact with them about the delivery. XXXX XXXX is telling me they can not refund me because I purchased a XXXX and that is considered custom and when I contact citizens pay to file a dispute, there is a recording that says no one is able to take a call about disputes and they are sorry for the inconvenience. I should not have to continue to pay for an item that I will never receive. I filed a complaint with a XXXX XXXX XXXX against XXXX XXXX as well.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (IL)

I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX serviced our furnace. That night the furnace exploded spewing soot and the fire depart was called. At that point we had other option other than buying a new furnace for {$3100.00} from XXXX, XXXX on XX/XX/XXXX. The owner worked on the furnace for several days, but could not get the heater run. If that point he asked for an additional {$600.00} which I didnt want to pay and after that no longer answered our calls and left us with no heat in the middle of winter. I called Capital One to dispute a charge, and they made a temporary credit my account. I had to call another company and they were able to get our heat running. At that point since we use the new furnace, I called Capital One to explain that we were able to resolve our problems and please remove the dispute and close our case so the vendor could be paid. That was on XX/XX/XXXX. 

The vendor says he has never gotten the released funds and Ive been calling capital one every day since the XXXX and they will not help me. Theyve sent me a letter saying the case is closed but I had a hard time talk to a supervisor. Ive asked them to do an audit on the transaction and see where the money went and they will not do it. Ive asked to speak to a supervisor and I was told they are administrative only will not get on the call. Ive asked for the corporate number at capital one and they will not give it to me. The money was released from my account on the XXXX, but it never was received by the vendors bank. Ive had a gentleman claiming to be an attorney contact me for the past two days to demand I pay them. I explained I cant pay him again because its a fun show up that he would get double the pay and I cant afford that. Today he told me that there is a lien on my house I have until XXXX XXXX  tomorrow to give them money XXXX in interest and legal fees. Ive also been told theres a warrant in debt and the police are going to come arrest me and will be unable to sell her house in two weeks because they placed a lead and started the process for forclosure. Im skeptical that this is actually an attorney because the number goes to collection agency but they are strong arming me and threatening me as is the vendor I have called Capital One at least 15 times and told him Im customer I need support and I need to help me find where the money is and I cant get anywhere. No one will help me. They told me its out of their hands its been released and theres nothing they can do to help me. Please help me resolve this issue and get the vendor paid XXXX to be released. Thank you very much XXXX and XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not liable to any dept withXXXX XXXXXXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from XXXX.
Consumer complaint received 2023-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (VA)

ACCOUNT XXXX A letter that we received and disputed in XX/XX/XXXX and numerous times after that. We neither one of us contacted Wells Fargo on account that we could not make payments at any time. When In fact we stated differently and in fact never missed a payment and have been paying extra. Only to get letter stating because of a borrower had informed them of financial hardship, with has impacted their ability to make payments on the account. To which we wrote back immediately ( letter dated XX/XX/XXXX ) stating otherwise. 
This issue has not been resolved but a mass letter stating they would remediate and get back after this, l to date still has not been resolved. 
XXXX, XXXX get letter that payment may increase as our draw period will be ending. We have not been able to draw on it for several years but have been making payments that are not being applied correct to reflect what we are paying and the as the balance is increasing. Our account has not been corrected/reinstated and we have an account someone else apparently is using. 
XX/XX/XXXX we receive a letter that states : check enclosed for account ending in XXXX, your account was previously in COVID 19 related payment suspension, we restricted your home equity line from credit further advances. We are enclosing a check for any issue the loss of access to your line of credit may have caused. We apologize for any inconvenience. Check is for {$200.00} not cashed as this is obviously a mistake on our account thru Wells Fargo and this is being stated in letter and with payment. 
We also received a letter last week stating about what payment would be on account we have not been able to use or draw on for years that we have tried to state balance is incorrect.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Briefly, I ordered a XXXX ride on XX/XX/XXXX. The XXXX driver billed me for {$570.00} for a trip totaling less than one mile. When I received the XXXX receipt several days after the trip, I disputed the amount immediately. I contacted TD Bank and explained the issue. This issue has been going on for more then four months. I have spoken to XXXX TD Representatives and have received varying responses. My last communication with a TD Representative who advised that they have NOT received any communications from me, despite the fact the the other XXXX representatives I spoke to advised the opposite. I HAVE all the correspondence submitted to TD Bank replete with transmission receipt. The date of my last communication with a TD representative was on XX/XX/XXXX with a XXXX named XXXX. During a conversation with your representative, I realized that the XXXX driver charged the wrong address. In addition, I took the same trip on XX/XX/XXXX to the same place, and for the same reason and was billed {$27.00}. Please help me get the return of my money. Thank You. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (PA)

In XXXX XXXX I received an email from XXXX ( XXXX ) indicating that I needed to move from an individual account to a brokerage account due to VG changing platforms and there was a fee to stay on the old one. 

I called and moved my account. 

I was told that I had to de-activate both my check writing and direct deposit ( DD ) but if I called back in a couple days after the transfer was finished processing they would re-activate both the DD and the check writing over the phone. 

I called back a few days later. I was told that instead of having XXXX re-activate my DD that I had to set it up again with my employer. I was also told how to go online to update the check writing and theyd update it on their end too. 

I was given the information for my direct deposit to provide to my employer ( XXXX ). ( It turns out it was the wrong information ). 

I re-set up my DD with my employer using the information provided by XXXX  and my next paycheck that was sent from XXXX had to be manually routed as a courtesy due to the incorrect DD information on it. Note : My paycheck gets sent from XXXX to XXXX XXXX ( XXXX ) to JP Morgan ( JPM ) to XXXX. 

I called XXXX again. I was then provided with the correct DD information and I worked with my employer to fix my DD information on their end. 

In the meantime, another paycheck ( my XX/XX/XXXX pay ) was sent with the wrong DD information. This one was then clawed back and resent via wire on XX/XX/XXXX. However, it still had the wrong DD information on it and is currently nowhere to be found. XXXX has the trace number for it being sent to JPM. 

XXXX has asked XXXX to claw it back from JPM again. 
JPM has not responded. 
I've spoken with numerous people at XXXX and they've confirmed with the Money Movement Team that they never received the money from JPM. 

Since I don't actually have an account with JPM they won't provide me with any information and said we should just ask XXXX to ask XXXX to send a service message to JPM to have the money returned. My company has done this and XXXX has not received any response from JPM.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I attempted to change an autopayment selection from my mortgage lender Select Portfolio Servicing , Inc. which I'll refer to subsequently as SPS. My attempt was made on XXXX XX/XX/2023 to prevent an automated payment on XXXX XX/XX/2023. SPS refused to honor this request so the payment request will fail costing me additional charges from both SPS and XXXX XXXX XXXXXXXX. 

SPS claims they need 48 hours to modify autopayment options, but there was no information provided to the consumer regarding this requirement until an attempt was made to cancel the autopayment. 

It should be noted that this payment is not due until XXXX XX/XX/2023 and the consumer plans to pay this from another account.
Consumer complaint received 2023-01-19
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. (CA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (AL)

IQ Data International is attempting to collect on a debt that I am no longer responsible. The amount of this debt is {$67.00} and this debt has been paid to the original creditor, XXXX XXXX AL. XXXX XXXX AL agreed to mark this bill as paid and to stop all collection efforts. As of today, IQ Data International is still showing on all of my credit files and they are continuing to defame my credit score, preventing me from obtaining adequate housing.
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (TX)

Barclay 's ( who holds my XXXX credit card ) wo n't let me access my account and they refuse to send me statements showing what I have paid them. I sure would like to know what my balance is. I 've asked repeatedly for copies of statements. ( They seem to think that since I was Discharged from bankruptcy about five years ago, long before I had any balance with them, that they can retroactively now deny me a copy of statements showing the credits for what I have paid during the last few months. )
Consumer complaint received 2023-03-07
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: The Best Service Co.,Inc (GA)

I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the Best Service Company for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX student at XXXX University ( online ).
Consumer complaint received 2023-03-07
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: WELLS FARGO & COMPANY (GA)

I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXXXXXX, Wells Fargo, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to Wells Fargo XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXX student at XXXX University ( online ).
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (TX)

My vehicle was repossessed during COVID and two months prior to my beginning to collect SSA retirement. The company ( Santander ) would not negotiate because, in their opinion, I did not have substantial income and would not be able to honor a future repayment plan. They did not offer to make any exceptions due to COVID and demanded I bring my payments current immediately. I had to move due to the pandemic, and I was laid off my job. 

A few months prior to the repossession, I went to XXXX XXXX regarding debt relief. They made a {$7000.00} settlement arrangement with Santander, but Santander later said it could not be honored because the vehicle was still in my possession.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I called Experian at XXXX today, XX/XX/XXXX to freeze my credit. I provided my data and was told I had to continue online or mail in a request. Having provided proper identification to the consumer reporting agency, they are required to offer a toll-free telephone to allow consumers free of charge to freeze their credit within one business day.

Please note that I am continuing to incur damages as a result of Experian not freezing my credit pursuant to the regulations in the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 and value damages at no less than {$500.00} per diem.

I request the immediate freeze of my account and the remittance of the damages incurred by Experian.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for a Capital One Savor Card XX/XX/XXXX and was approved. I was told I would receive the card within 14 days. I waited over 20 and called after not getting it and it was cancelled and I was told a new card would be sent and I would receive it by XX/XX/XXXX. It is the XXXX and still no card so I called and explained I did not want to cancel the card only to be in the same place 3 weeks later with no new card and the agent promised me before cancelling the current card on the way that the replacement card would be sent a different way with 3 day express shipping waived no fees due to the fact a month after opening account I had no card after waiting thru 2 cards sent. He cancelled the card but could not follow thru on sending one express said he had no way to do it and now I am stuck with no card on the account as I said don't send out a 3rd card just to be in same situation as I was lied to and the supervisor told me pretty much tough luck he lied to you but I can't activate the card he cancelled and I can't honor the express shipping and refused to get anyone higher leaving me with no card no account essentially. I told him I would open this and he had no cares.