davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OK)

Synchrony Bank DBA Care Credit. I was a joint applicant on this account. They sent a debt settlement to my daughter ( primary account holder ) in the amount of {$1000.00} dollars and stated that they would accept the amount in 6 installments, and once the amount was paid they would delete the account from her credit report and my credit report, 30 days after the last payment was made. They did not do what they stated and they reported the account late for for 6 months and then reported as a charge off and bd debt and states the amount owed is {$1300.00}. This improper reporting has stopped me and my husband from receiving a new mortgage loan. My daughter and I have both spoke with agent from synchrony bank and they continue to refuse to delete from our credit report. 

XXXX XXXX keeps reporting a late payment in XX/XX/year> and during that time I was returning to work after having XXXX. They refuse to remove the 1 late payment. 

The same thing with XXXX XXXX, they continue to report a late payment in XX/XX/year> and at that time I was out with XXXX. I spoke with an agent and they stated that they would remove the late payments, but they have yet to remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX last XXXX of XXXX Daughter name XXXX A XXXX XXXX XXXX of SSN- XXXX
Consumer complaint received 2022-04-15
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. (TX)

I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these XXXX accounts have violated my rights. 

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 witho
ut my written instructions XXXX XXXX XXXX Account number XXXX US DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2021-09-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NC)

NAVIENT SOLUTIONS LLC attempting to communicate with me without my consent about an alleged debt. I do not know NAVIENT SOLUTIONS LLC nor do I owe them anything. NAVIENT SOLUTIONS LLC are violating my federal protected rights and asking me to fill out discharge form when I dont owe them anything. Furthermore, I never gave NAVIENT SOLUTIONS LLC my consent to furnish an account in their records with my private information. This alleged debt theyre trying to accuse me of is not mine nor will I pay for it. NAVIENT SOLUTIONS LLC stated they will continue to violate me and keep causing severe damages against my consumer report. NAVIENT SOLUTIONS LLC believe they loan me, a consumer, something but that isnt the case. I do not know NAVIENT SOLUTIONS LLC. I am attaching a debt validation letter, Cease and desist, Affidavit of Truth w/ Exhibits, an invoice for the damages NAVIENT SOLUTIONS LLC caused, and an Identity Theft Report. I do not wish to do business with NAVIENT SOLUTIONS LLC nor allow my reputation to be ruined any further. Pursuant to 15 USC 1692k I am seeking monetary relief for the damages.
Consumer complaint received 2022-09-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-04-15
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. (CA)

XXXX XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

XX/XX/2022, I sent a letter to California Business Bureau to validate he debt that I allegedly owe. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. 

Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

California Business Bureau is not complying with their own policies in a timely manner.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I created a checking and savings account online with funds deposited and was approved. Upon approval, I was advised I could make my account online while my card was sent. I received several transfers via XXXX on this account through my family and was unexpectedly advised my account was closed when I tried to activate the card sent. They never contacted me to identify any issues with creating the account and did not disclose it was closed. They did not either advise where my funds for the account were until I called which they advised would be sent via certified check within 10 to 15 business days. They did not offer any assistance or advise my account would be closed.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-04-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-29
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has been providing misleading advertisements about scholarships through their CollegeSteps program. Wells Fargo also has a scholarship program. Wells Fargo has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Wells Fargo has known about the practice for years and continues to mislead students knowing that the students will become victims of scholarship displacement. Wells Fargo is using their CollegeSteps program as a way to force students to get their loans once they become victims of scholarship displacement. Wells Fargo must be investigated for their misleading and predatory advertisements and practices.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

In XXXX of 2021, went to XXXX XXXX to get cars on a lease. Told the representative to run credit with just XXXX XXXX. Credit was ran through XXXX different agencies creating XXXX hard inquiries. Also was coerced into putting a down payment for the vehicles totaling {$4000.00}. Under US 15 1661 this is a violation of consumer law. In addition, Toyota Financial has shared my information with third parties with my consent or permission.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (OR)

On XXXX I reported that my ex husband, a known hacker, hacked into my XXXX account and stole 5 vanilla gift cards and used one {$50.00} card to Vanilla gift card disputes. Vanilla then froze the remaining 4 cards, totaling {$200.00} so no one can use them and reimbursed me the {$50.00} my ex used but failed to reimburse me in the other 4 unused cards totaling {$200.00}. On XX/XX/XXXX, I phoned in follow up about the cards and was told not to contact them again until after XX/XX/XXXX, XXXXbecause those cards are being reviewed and a decision would be made then. On XX/XX/XXXX, I DID fax Vanilla disputes, ALL the required information they needed to process the refunds, which was a copy of my purchases, a copy of my drivers license, a copy of a current utility bill showing my physical and mailing address, and the form they provided me for processing. 

On XX/XX/XXXX, I followed up again on the cards. They decided to go ahead and send me my refunds. It was around XX/XX/XXXX I received the {$50.00} gift card reimbursement on the card my ex used with a letter that they determined he had made fraudulent purchases from that one card but still no word on the other 4 gift cards still totaling {$200.00}. I decided to be patient thinking the rest was coming soon. 

On XX/XX/XXXX, I phoned Vanilla to inquire about what happened to the rest of the case, the other 4 gift cards. I was told they were processed and were being sent on XX/XX/XXXX. I waited all of XXXX and nothing came in. 

On XX/XX/XXXX, to the present ( XXXX, I made numerous calls and to Vanilla and by now, no one knows anything about my case. I need advice on how to proceed next. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Case # XXXX
Consumer complaint received 2023-02-22
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking 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: Chime Financial Inc (NY)

I stayed at a hotel ( XXXX XXXX XXXX ) from XX/XX/XXXX - XXXX, 2024. The hotel made a mistake on XX/XX/year> which caused my card to be charged over {$1000.00}. I called management and they attempted to resolve the issue and gave me some credits. The following day on XX/XX/XXXX, I extended my stay XXXX extra days ( XXXX ) which should have costed {$290.00}, however they charged my card {$290.00} AND XXXX payments of {$140.00} which total the same amount. 

At first, the XXXX XXXX XXXX claimed that they understood and can see I was double charged. I spoke with two managers ( XXXX and XXXX XXXX as well as a XXXX XXXX XXXX over the phone ( Claim # : XXXX ) then I had told me that they needed to speak to accounting and the general manager ( XXXX XXXX ). I followed up for XXXX weeks with no response until management told me that I needed to speak to a specific manager ( XXXX ). I called for an additional week and left messages, and he did not return my call until XX/XX/year>. XXXX ( manager ) then made up a story saying that he has no idea what im talking about and that he UNDERCHARGED me on XX/XX/year> so that is why they charged my card several times even though that is not true. I noticed that they tried to edit and fix my hotel bill to show the charges as if they were supposed to charge the amount. 
I contacted my bank XX/XX/year> whom I have called several times during this process in which I spent an hour on the phone with them explaining what happened and they were so sure that I would win my claim and I provided all the evidence that I could. CHIME ( Bank ) gave me a temporary credit. 
They closed my dispute and said there was no error and charged my card the {$290.00} AGAIN, even though it was clear that I was charged twice.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX is reporting accounts/addresses that do not belong to me. 

XXXX XXXX credit card ( DO NOT BELONG TO ME ) Address as follows does not belong to me : XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (AZ)

A monthly cell phone bill was paid after being prorated for actual daily use. The service was cancelled with the provider ( XXXX XXXX ) because of customer finding a better service. 
Consumer cellular called XXXX times over a period of 2 months. I discussed the issue with the XXXX XXXX rep, and they told me that I had to pay for the full month of service. They informed me that their contract with me does not allow proration of service. I wrote a complaint letter to XXXX XXXX explaining ( after reading the contract again, that there was nothing in the contract that prevented pro rationing of daily use service upon cancellation. 
I did not hear anymore from XXXX XXXX until about 6 months ago where their collection agent, Professional Credit Service sent me a demand for payment ACCT # XXXX. I wrote them a letter stating the same information that I sent to XXXX XXXX. The collection agency has not responded and continues to send me a demand for payment letter. 
I do not owe any amount to XXXX XXXX and have paid them in full for services provided. 

XXXX XXXX
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance XXXX {$4600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-04-15
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. (TX)

I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these Convergent accounts have violated my rights. 

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 witho
ut my
written instructions XXXX XXXX XXXX Account number XXXX US DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Historically, my mortgage payments are typically set up to post mid month around the XXXX. Mortgage amount of {$2200.00} and additional principal of {$2000.00} is paid timely ( by the XXXX ) every month. Due to a vacation and time zone issue, XXXX payment posted and reflected on the XXXX of that month. The account that is paid from receives exact funds for transfer to the mortgage company. Because of a late charge and consequential reversal of that late charge, that account ran negative for a very brief moment and my typical mortgage and additional principal ended up showing in the account as insufficient by the amount of the late fee that had not payed back into the account. Also, MR.COOPER does not allow a principal payment without paying late fee first. That insufficient transaction was never known by me and MR. COOPER never notified me and instead let the overdue amount run for over 30 days without notifying me of any issue. I was able to resolve the late payment issue with them however they reported to the credit agencies as a late payment over 30 days. I attempted to resolve this by requesting a retraction to the credit agencies with MR.COOPER but they refuse claiming it was in line and no error was made on their part. MR.COOPER never emailed, phone, left voice mail, or text that there was a missed payment, but instead let the account run overdue. I found the discrepancy the following month during the following payment. I have had to solicit results of their " investigation '' as they never sent me a mailing or posted in their account portal. During the course of my time with MR.COOPER, they have made at minimum 3 communication errors to which they sent followup mail apologizing, and have double charged customers accounts doing system upgrades, ending up in an apology. They have since transferred my account to a mortgage collecting agency, XXXX, who appears to have their own servicing problems. Please have MR.COOPER SEND A CREDIT RETRACTION TO THE CREDIT AGENCIES DUE TO THEY DID NOT ALERT ME ON ANY MISPAYMENT ISSUES. Please request credible evidence that they made an attempt to alert me. To this day they have provided me nothing upon my numerous requests.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA