davidheineman/consumer-finance-complaints-large huggingface dataset:
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: SYNCHRONY FINANCIAL (TX)

After receiving my statement on my PayPal credit account in XX/XX/2023, there was {$5400.00} worth of charges in the amount of {$100.00} OVER AND OVER again. All from XXXX. I contacted XXXX and they told me to dispute directly with my PayPal account because I have fraud protection through them. I did that. However, after disputing all these charges they keep sending me a message of you participated or benefited from the purchases! I have had it re-looked at about 4-5 times now With the same resolution. These ARE NOT my charges! XXXX agrees they are fraud. Synchrony bank is who takes care of PayPal credit, so thats who is refusing to remove the fraud. Its VERY OBVIOUS fraud! They refuse to remove it. 

Also, when I noticed this statement fraud from PayPal Credit, I noticed 3 of my other cards were hacked and my bank account! All the same charge amounts of {$100.00}. My bank and these 3 other cards took the fraud off! Synchrony Bank is refusing to!

Im angry. Ive been just sick about it and feel helpless because they wont remove it! Ive made COUNTLESS phone calls and spoke to a ton of people to no avail. Ive asked for proof that shows them these charges are mine. Nothing. They keep telling me XXXX is confirming my email address on the charges. Well of course they have my email..my account was hacked!!
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXXXXXX, account number XXXX XXXX : XXXX XXXX XXXX XXXX, account number XXXX TransUnion : XXXX XXXX XXXX, account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (HI)

On XX/XX/XXXX I had a {$2.00} charge. I experienced a problem with the companies app and my payment couldn't be processed properly. It was not applied in the way I expected and how I normally make all my payments on the app. I also did not know a payment was due. 

When I found out about it, I instantly paid it in full ( for {$3.00} XXXX on XX/XX/XXXX *see attached XXXX. It was an unfair late payment that was only for {$2.00}. I should have been notified in multiple ways with a paper statement or email etc. I should have been notified that my payment did not go through and confirm. 

I now have a tough time applying for credit cards, lines of credits, auto loans, etc. I've been a member since XXXX and the company will not help me with this unfair situation. 

Since then, I have always made on-time payments and I am in good standing with all my other credit card holders. I consistently pay and I have set up an automatic payments for the full statement balance, so that this doesn't happen again.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent these companies certified letters requesting they show me proof of the negative items they are reporting on my credit reports by sending me copies of the original signed contracts that they by law are supposed to have on file before reporting the negative items on my reports.I have not had any responce from the companies and they did not fix anything that is incorrect and never showed me the requested paperwork i asked for.It has been over 60 days since i sent out these letters and i have had no responce.Please follow the law and remove the negative items off of my reports as you have not shown the proof that you are correctly reporting these items on my reports.This is my third time of saying this and reporting that you are not complying.Please remove the items from my reports at once.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

This is the second complaint about XXXX XXXX. I opened the about a couple of months ago withdrawing {$1000.00} from a XXXX XXXX  Account. The XXXX XXXX  has to be listed because the funds came from one of my XXXX XXXX  accounts. Someone called me but spoke so fast I couldn't understand anything he said. I just want my money back into the XXXX XXXX  account from which it came. 

Bankers have no brains anymore. I am disgusted and annoyed! 

XXXX XXXX XXXX Also I am in the process of moving
Consumer complaint received 2022-11-08
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. (NY)

am a natural person. i am a living human being, i have rights under 15 usc 1681 XXXX, XXXX, experian is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Adjustment Service, Inc. (CA)

Diversified ADJ SVC Balance {$830.00} This is a bill that popped from an old address years later. I received no proper correspondence on this until it popped up as a collection. I have paid the amount in full and my confirmation number is XXXX XXXX Please have this removed from my report ASAP. 

XXXX XXXX XXXX Balance {$300.00} ** Balance {$120.00} *** Balance {$470.00} This is an account that incorrectly was reported on my credit report multiple times. I have paid the balance in full and company has agreed to remove all instances of this account from my credit report since it was something that was not brought to my attention up front. 

Please remove these items from my credit report, this will negatively impact me moving forward and the I believe that I handled this situation honorably.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I received a loan check from my 401k investment account for {$1000.00}. I deposited the check around XXXX using my mobile app through Wells Fargo . The {$1000.00} was available immediately and was able to use it with no hold placed on the check. The following day at around XXXX my account goes from $ XXXX to - {$290.00} due to the check being placed on hold after it had already cleared and now my bank won't release the funds until XX/XX/2023.
Consumer complaint received 2023-02-09
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc. (GA)

XX/XX/20 payment amount : {$210.00}. Prior to current payment past due. The loan company ( XXXX XXXX XXXX ) only deferred one-time payment for the ( XX/XX/20 ) payment, which didnt help much because a week or two later the another payment was due. This company doesnt refinance loans, offer Payment plans and or provide extension for payments. I have called and pledged with the loan company regarding my current financial situation. I do make partial payment when Im not able to pay the full amount. I keep a good line of communication with the loan company when changes need to be made on the account or any issue with payments.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R & B Corporation of Virginia (CA)

XXXX XXXX XXXX Balance {$830.00} This is a bill that popped from an old address years later. I received no proper correspondence on this until it popped up as a collection. I have paid the amount in full and my confirmation number is XXXX XXXX Please have this removed from my report ASAP. 

Credit Control Corporation Balance {$300.00} ** Balance {$120.00} *** Balance {$470.00} This is an account that incorrectly was reported on my credit report multiple times. I have paid the balance in full and company has agreed to remove all instances of this account from my credit report since it was something that was not brought to my attention up front. 

Please remove these items from my credit report, this will negatively impact me moving forward and the I believe that I handled this situation honorably.
Consumer complaint received 2020-10-01
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: OneMain Finance Corporation (OH)

Today XX/XX/XXXX my phone just got a text that my credit was just checked and I never authorized a check for anything. I think someone is using my information without my consent and it may be my ex I'm not sure.I have text alerts when my information has been used and this isn't the first time this has happened. Text said it was XXXX FINANCIAL and it went to my email address as well. It has to be someone close to me that did this. My last name been changed for over a year I got married in XXXX.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MA)

I applied for a small business checking account through TD bank in order to apply for the PPP for my XXXX  XXXX.

I received an email that my application was received, but after about a week I had not received information from TD Bank so I called their customer service hotline. They told me that I could not be helped over the phone, and that I must make an appointment to go in person to a TD branch, despite the Covid-19 emergency.

I went to my local TD bank branch. A bank employee called the TD bank central number to check on my account application status. They told her they could not help at all, that it was no use for me coming into the branch. The bank employee apologized for wasting my time. I asked that they close the account and cancel the application, but I was told at the branch that was not possible.

I went home and opened a small business account, the next day, with a different bank. There was no delay.

A few weeks later, TD sent me a letter saying my account has been opened. I don't need this account because it's too late -- I already applied for the PPP through my other bank. I called TD asking for them to close my account, and they said -- once again -- that I need to go in-person to the branch. 

I refuse to waste any more time with this. TD bank needs to close my bank account, which has a XXXX balance and I have never used.
Consumer complaint received 2019-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-01-07
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I need this item removed from my credit report immediately or further legal action will be taken.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

American Coradius International L.L.C. and XXXX XXXX XXXX are fraudulently trying to collect amounts not owed, as exposed with evidence on the document attached. XXXX XXXX XXXX in addition lied to this government agency, on their previous response. The evidence and petition to sanction XXXX XXXX XXXX by the CFPB has been sent via USPS registered mail.

This document proves how this collector on behalf of XXXX, are realizing fraudulent actions to collect amounts not owed.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Ok so one XXXX XXXX I found out that my Reliacard account for my Pennsylvania unemployment was deactivated. I have been told lies and misleading information time after time not to mention being treated like garbage when calling customer service. I still as of today XXXX XXXX can not access my unemployment money and have been told there is nothing I can do at all I have to just sit and wait for the documents to be reviewed and the account to be reactivated. Problem is they don't notify you if the account is deactivated and the website, mobile app and automated system all say that my balance is available for use and has not changed this entire time. The department responsible for reviewing my documents and reactivating my account have no way to contact them directly and the customer service department has no authority to activate the account. I was told several times that once the documents were excepted it would be 24-48 hrs to reactivate the account and after sending countless fax of the documents I was told would be excepted I found out that what I was told about the expired drivers license was not true and had to go get a replacement so I uploaded everything once again for the 100th time and on XX/XX/XXXX they excepted the documents and now XXXX XXXX and they are still reviewing them. Now the people in customer service are telling me that the time frame to activate is not 24-48 hrs like I was told before by several different representatives but in fact it could take up to 15 days. This account is the only income I have and all the money I have to my name.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

The company Credit Collection Services representing XXXX, where I had an account with their supposed company XXXX, did not notify me of the debt in writing to give me the option to dispute the debt. The first time I was notified of the debt is when it hit my credit report dropping my score. I was bullied and pressured into paying the debt bc they insidiously waited for me to attempt to close on a property and obtain a mortgage to force me to pay. I didnt want to lose the deal and the money I put into it so I decided to pay it bc it dropped my credit score which would make me ineligible.
Consumer complaint received 2020-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

On XX/XX/XXXX emailed the federal ombudsman 's office regarding my previous complaint on case # XXXX and I attached documents ( I have uploaded again here ) outlining my position. I do not know if that was received so I am returning to this site since it is where I initiated my case. 
Here is what I wrote regarding a response I received from FedLoan Serving : I would like my case reopened because the written response from FedLoan Servicing did not actually address the issue I have repeatedly raised. That issue is that if all of my loan payments are totaled, then in XX/XX/XXXX I made the 121st payment on my final 2 loans and the 122nd payment XX/XX/XXXX. I want those payments refunded because XXXX requires 120 payments. Attached is a letter outlining my position, along with the FedLoan response letter, their partial count of payments made after XX/XX/XXXX and a complete list provided me XX/XX/XXXX by a XXXX XXXX. Combining the lists and counting each payment I made on sequences 4 and 5 beginning XX/XX/XXXX shows that I made 120 payments so anything beyond that should be refunded. Multiple times FedLoan servicing has responded to my requests by giving me information that does not directly address the issue of the total number of loan payments. 

Again, please re-open my case and request that FedLoan Servicing directly address the issue that I have raised.