davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

SYNCHRONY BANK/PayPal Credit does not properly investigate disputes and erroneously process chargebacks fraudulently to my account without authorization or true investigation of the original dispute. There are several dubious sellers who uses PayPal inappropriately, receives the merchandise back but refuses to perform the refund. 
Those companies are : XXXX, original purchase on XX/XX/2022, returned to the merchant upon receipt ; Synchrony Bank received notification of the XXXX tracking number that the merchandise had been sent back but that the merchant refuses to perform the refund and refuses to speak with me the customer about the refund. My experience is that XXXX is a company that lacks integrity. Synchrony Bank still refuses to secure the refund even though the company has received the product back and has refused to refund the {$39.00}. 

Another dubious company that Synchrony Bank supports is XXXX. The merchandise was sent back, received but XXXX refuses to perform the refund. Even though I have reported this several time to Synchrony Bank, this bank still did a charge back on my account for {$41.00}. XXXX has the merchandise back and refuses to issue the refund and Synchrony Bank for the {$41.00}. XXXX received the merchandise back on XXXX, 2022. 

Thus Synchrony Bank has refused to issue me the credit for both the {$41.00} and the {$39.00} when both companies have received the merchandise back. Synchrony Bank is fraudulently charging back these amounts on my account. The customer service person seems to tell lies by stating it is being investigated when it is actually being charges back on my account. 

This is time consuming and very stressful. I am finding that Synchrony Bank has done this several times and refuses to acknowledge the mistakes that they are making. This bank is making erroneous/false charge backs when the sellers actually have received the merchandise back. The process is horrible and is expensive for the consumer as well as for Synchrony Bank itself which appears to be very, very, very unorganized and causes harm to the customer. 

Both XXXX and XXXX wellness either will not answer the phones or will put me on hold and never come back to the phone. 

The total refund from both purchases is {$81.00} plus the inconveniences.
Consumer complaint received 2024-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (AZ)

Loan number : XXXX We are appealing this foreclosure due to incorrect modification. We spoke to XXXX XXXX on XX/XX/XXXX and XXXX XXXX, she stated we were approved for our loan modification on XX/XX/XXXX and they needed to have a notary come out and redo the documents.. They sent documents to XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, Az XXXX to get signed and notarized, they were filled out incorrectly because XXXX XXXX and XXXX XXXX live in XXXX different states, so XXXX called and said she was going to send out new documents and have a notary come to each of our homes on XX/XX/XXXX which they did and we resigned the documents. As of today we tried to make a mortgage payment of XXXX and they said our loan was in foreclosure due to not receiving the loan documents on time which we did not have because the notary had them and sent them off. 

Someone needs to pull up the voice recordings when we spoke with XXXX because this is not our fault. This is an error on your behalf, and this needs to get resolved as soon as possible. We are not trying to foreclose on our house, we just moved into this house in XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

I received {$350.00} worth of gift cards that are American Express. I have tried to use them in-store ( via swipe ) and online ( via cards ) and they get declined no matter what. I have activated them and have confirmed their status as active via Amex 's online site. I have confirmed the balance is on the card electronically and I confirm that I have not used them and have kept them in my possession at all times. I have tried to use these cards multiple times. These cards are not expired. The company has not helped me resolve it. 

The merchant ( American Express ) has told me that there are " restricted merchants '' but they won't tell me where I can use the card. This is not acceptable.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (LA)

In accordance with Law 15 USC 1692 C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also in accordance with law 15 USC 1692 D : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. This is considered harassment and abuse. I have told XXXX XXXX  that this was not my debt and it was done fraudulent, they did not do any investigation to determine if this debt was deemed legitimated. I also explained to XXXX XXXX  that I was a victim of identity theft. I have been harassed and bullied into paying a debt I am not responsible for. They have targeted my credit trying to scared me into paying a debt I am not responsible for. I have asked them to stop contacting me and they will not stop. this is a violation on my rights.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

Ive already submitted a complaint about this chase freedom card and XXXX from the office of the president is NOT HELPFUL!!! Im still wondering why is she calling me if she has not figured out a solution to an easy problem! Its in black and white that I met the standards to get a chase plan however she is saying eligible purchases. Well what makes a purchase ineligible?!?! She cant give me an answer. Meanwhile my payment is due Tuesday XX/XX/21 and Im going to have to make a payment which will THEN make the purchase ineligible to be put in a chase plan. Ive been a chase customer for over 20 years and Ive had this card since XXXX and I make my payments ON TIME! XXXX XXXX score is in the 800s and above so I cant believe its my creditworthiness! Its impossible. Needless to say if this isnt fixed by Monday, I will take every single dime out of my Checking, Savings, Investment, and my daughters checking account and find another bank. UNACCEPTABLE
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I started receiving hundreds of spam emails as though I had suddenly signed up for hundreds of mailing lists. Some in English, some not. Some companies I'd heard of like XXXX and XXXX XXXX, some not. I have a XXXX  account that was affected. I also got an email from Capital One that a card was opened. Then, this morning, I woke up to a notification from XXXX ( my bank ) of a hard inquiry to my credit. I called Capital One and they confirmed that an account was opened, they are investigating on their end.
Consumer complaint received 2023-06-28
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. (SC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (AL)

SOMEONE OPEN UP 2 ACCOUNTS IN MY NAME FRAUDULENT I REPORTED IT TO THIS COMPANY AND THEY STILL TRYING TO HOLD ME LIABLE. I DISPUTED THIS SEVERAL TIMES AND SENT POLICE DOCUMENTS TO THEM AND THEY HOLDING ME TO A DEBT I DIDNT AUTHORIZE. AFFIRM IS THE COMPANY. I ASK THEM TO PROVE I USE MY SIGNATURE AND SOCIAL THEY CANT PROVE IT
Consumer complaint received 2019-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I fell behind in my payment because of loss of income. I'm currently 5 months behind. I been making consistently payments for the last 5 months including XX/XX/XXXX payment now that I'm back to work. 

I tried working with Select Portfolio Service Company to offer me a catch a plan that is affordable not something that is out of reach. I was offered a catch up plan in XX/XX/XXXX but it was completely out of reach they added a XXXX on top of my monthly payment loan knowing I will fail to make a payment. I contacted Select Portfolio Service to see if I can get a lower catch up plan, but was always told nothing was available. 

XX/XX/XXXX received a letter from Select Portfolio Servicing saying my account has been referred for Legal Action. I also received a letter XXXX XXXX XXXX XXXX. XX/XX/XXXX My loan in very complex because it was part of the failure of XXXX XXXX XXXX and now XXXX XXXX XXXX trustee scandal back in XXXX. I have a silent second for the $ XXXX that was tacked on to my loan. 

I was also told recently they offered me a catch p plan of XXXX dollars a month more back in XXXX but it was verbally nothing in writing. 

Can you please Contact Select Portfolio Services on behalf ask why I do not have a catch up plan that is reasonable. 


Loan # XXXX XXXX Their address is Select Portfolio Servicing XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX by fax XXXX XXXX email XXXX XXXX
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC (SC)

I have contacted Enhanced Recovery Systems for XXXX XXXX and XXXX XXXX XXXX for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX  data breach, and I am handling that situation as well.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Nelnet Inc is the servicer of my federally owned student loan, which was transferred from Great Lakes in early XXXX XXXX XXXX XXXXXXXX I submitted Form 1099 C to the IRS, and it was accepted on XXXX XXXX XXXXXXXX  Subsequently, I received a 1099 C copy B for Debtor from Nelnet, confirming the Cancelation of Debt as approved by the IRS stating the following ; You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more Despite this confirmation, my account has not been discharged even after two months.

I sent a certified letter to the Claims/ Discharged Department along with proof of the Copy B I received. The letter was delivered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted their customer service representatives multiple times, engaging with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They came to the conclusion that Nelnet never sent me the 1099 C- Copy B form, because they couldn't find them on their records evenmore that the letter was fraudulent, however I have proof of the IRS acceptance, and proof of the form sent directly to my mailing address from Nelnet XXXX Since the company lacks visibility to see all the proof at hand. I request a deep investigation and that Nelnet credits my account promptly as required by LAW I am aware of Nelnets obligations as a servicer, as outlined in the SEC filings, particularly their XXXX Form dated XX/XX/XXXX, and their Trust agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX trustee dated XX/XX/XXXX, it is their fiduciary duty to oversee the resolution of this debt. 
As a Certificate holder in the securitization of the student loans, I am deeply disturbed by Nelnet refusal to discharge my account, I demand an immediate and thorough resolution to this matter. Failure to address this issue promptly will leave me no choice but to file the form 211 Treasury and forms to audit my account and escalate this matter to the FTC without further delay.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Good morning, my paypal account has been permanently closed unfairly, since I am dedicated to the marketing of products for sale online several years ago, this is my only livelihood to generate income and paypal being my only means of payment to receive these sales blocked me without just cause.
Consumer complaint received 2023-04-19
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. (GA)

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 Number Account Name # XXXXXXXX XXXX XXXX # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX 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 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.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Collection agency is in clear violation they has not provided validation information under 12 CFR 1006. 34. 15 but yet they placed a collection on my report Also I have not been given a chance to dispute account according to the law 12 CFR 1006. 34 c 4 l they been violating my rights.They also have not sent me anything verifying it wa s my account its again debt validation they keep violating the laws that are in place They must disclose Initial communication they have not.
Consumer complaint received 2022-09-16
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. (NC)

Acct : OFFICE OF THE ATTY GNE I submitted a dispute for an account that is was Closed in XXXX which was Removed from my credit report also and then put back on my credit report without 5 days notice and has not been verified at all I have went so much as sent a validation to the company on my credit report and never received any documents showing my signature for a contract or anything what so ever. On XX/XX/XXXX I filed an dispute on this same account and on the same day they came back saying that the account was verified THE SAME DAY
Consumer complaint received 2019-12-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Dear Bureau of Consumer Financial Protection Representative : This is a formal complaint against US Bank. 
With confidence and based on facts, I hereby state that US Bank is willfully engaged in discrimination and bias against me. I believe it to be based on National Origin, Color, Age and/or misinformation contained within their files. 

Case and point : XX/XX/XXXX - In person at US Bank branch located XXXX XXXX XXXX XXXX XXXX XXXX, CA, submitted a personal loan request in the amount of {$5000.00} at a fixed 48 month term. 
The US Bank representative entered my information, and in just under 20 seconds advised me of a negative decision. This can only be explained by upfront disparaging information visible only to the bank associate. A loan application even with todays technology can not be processed at that speed without proper consideration & underwriters credit decision. 
On a later date, XX/XX/XXXX my loan request was professionally and positively processed by XXXX XXXX XXXX. This entity did everything by the book, taking its time to process. 

XXXX  XXXX - During a vehicle purchase at XXXX XXXX dealership within the county of XXXX XXXX, a request was sent out to multiple financial institutions for credit. Out of many responses, US Bank was the only one,  who not only declined, but came back with negative feedback ; our sales person specifically mentioned the unusual and unnecessary comment by the US Bank. This is the bank that has our entire familys financial history. The financing was picked up by XXXX XXXX XXXX  at a very attractive rate. 

XX/XX/XXXX - During an online session at US Bank web site, while looking at my profile, I discovered it stated citizenship of XXXX ; it should have been United States. 

XX/XX/XXXX. Request for a Line of Credit in the amount of {$1500.00} was left answered for over three days. Had to make numerous calls just to find out the decision The answer was a foregone conclusion Declined. 

My family members and myself have been with US bank for nearly a decade, thousands of dollars have passed through our accounts and currently in saving accounts, and yet I am singled out each and every time. This is either with negative information entered by an employee or the bank itself acting on such information from another source. 

My credit is not perfect, XXXX recession and loss of income brought hardship and difficult times on my family. Now a decade has gone by, yet this bank brings up any and all negative information to any potential lender. I simply dont understand the reasoning behind this personal vendetta and blacklisting. 

Its my sincere hope that Bureau of Consumer Financial Protection will look into this matter and come to a fair conclusion. 

Please feel free to contact me for any additional supporting documents needed to verify my complaint. Looking forward to your findings. 

Thank You
Consumer complaint received 2019-12-17
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. (MO)

On XX/XX/2019 I mailed a factual dispute to Equifax anticipating incorrect information on my report to be corrected or removed. I was received by Equifax on XX/XX/2019 via certified mail with USPS tracking number XXXX XXXX XXXX XXXX XXXX. Equifax exceeded the allowed time frame to investigate the matter and began to review the case on XX/XX/2019, a full month later. That investigation also exceeded the allowed time frame of 30 days. The confirmation for the case is # XXXX. According to Equifax, the investigation should have been concluded on about XX/XX/2019. However, by XX/XX/2019, still no conclusion or results to the investigation. I called in to speak with someone assuming there was a mailed out dispute result and I was told that no decision had yet been reached, and at that moment I made a complaint with the Equifax about my violations under the FCRA. Equifax has exceeded the allowed time to investigate the accounts and per the FCRA anything that can not be verified must be deleted permanently from the consumers file.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX on Date : XX/XX/, has 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 an account without my written instructions. 

This inquiry from XXXX XXXX XXXX XXXX is fraudulent, because I did not authorize this company to pull my credit file.