davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

This problem is with Synchrony Bank, the partner of XXXX and XXXX operates Paypal Credit. 
XXXX Paypal Credit XXXX : XXXX On XX/XX/30 I purchased on XXXX a plushie using Paypal Credit. 
I was charged {$160.00} for a fullbody cat plushie and after additional discussion with the seller to upgrade the size agreed to pay {$450.00} more. 

A month later, seller came to me with just a small plushie. When I became upset as it was fraud of purchase terms, they said they will produce the large one. Another month later they provided one that was far subpar to their store quality purported and refused to fix the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX What the business XXXX committed to provide XXXX Buyer Protection How XXXX  is involved : They are directly in charge of Paypal Credit and in collaboration with XXXX. Basically, both teams XXXX and Synchrony Bank refused to read my evidence provided and jointly participated in attempting to put debt on me when I should have qualified for buyer protection. 

Nature of the dispute : I never received the items ( neither the small one nor large one ), seller attempted to dispatch randomly a package few days into the dispute process. 

I asked XXXX how this will affect and XXXX said to expect to be automatically ruled against, that they will not give me buyer protection even though seller provided not as described items fraud. So I was forced to open with Synchrony Bank, who also refused to investigate. 

Has the business tried to resolve the problem : No, XXXX denied me buyer protection even though I should have been covered. I have asked XXXX to contact their international office to return the shipment to origin but could not accept the package or pay for its return when it was forcibly sent out by the seller. 

Tracking # for {$160.00} shipment : XXXX XXXX Tracking # for {$450.00} shipment : One doesn't exist at all, seller uploaded the same # and XXXX says they just going to presume to accept that.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I CONTACTED XXXX AND ONE MAIN FINANCIAL ALREADY REGARDING THIS ISSUE I HAVE HAD A FRAUD ALERT POSTED TO MY ACCOUNT AND HAVE MY CREDIT FILE LOCKED.. I AM DISPUTING ( 2 ) CREDIT INQUIRIES MADE BY ONE MAIN FINANCIAL THAT I DID NOT AUTHORIZE WHEN I GOT MY ANNUAL CREDIT REPORT I NOTICED THESE INQUIRIES.. I FAXED A LETTER TO ONE MAIN FINANCIAL ON XX/XX/XXXX REQUESTING VALIDATION THAT I AUTHORIZED THIS. I GOT NO RESPONSE WITHIN THE ALLOWABLE TIME FRAME.. SO I FAXED A REMINDER LETTER ON XX/XX/XXXX AGAIN REQUESTING VALIDATION ... TOWARDS THE END OF XXXX I RECEIVED A LETTER FROM THEM STATING IT WAS FROM SPRINGLEAF FINANCIAL ( WHOM I NEVER HEARD OF ) BUT YET STILL NO VALIDATION SUCH AS COPIES OF THE APPLICATIONS SHOWING I APPLIED FOR THIS LOAN.. NOW THEY ARE OUT OF TIME.. I WANT THESE BOGUS INQUIRIES REMOVED.. 
THE DATE OF THE INQUIRIES ARE : XX/XX/XXXX AND XX/XX/XXXX ... AGAIN NEITHER ONE OF THESE DONE BY ME .... 

I DEMAND THESE BE REMOVED AT ONCE .... I ALSO CONTACTED XXXX   TO REVIEW THIS INFORMATION IN DISPUTE ....
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (SC)

On XXXX XXXX, XXXX I received a notice from my credit monitoring service that they detected new activity on one of my financial accounts. 
I looked at their information and saw that it indicated an Account was being opened with Well Fargo. 
Since I had not opened any accounts with Wells Fargo, I immediately contacted Wells Fargo along with my Credit Monitoring service and opened Fraud cases. 
I requested that Wells Fargo freeze and close out all accounts in my name and social security number given I did not have any banking with them. 
I also contacted all 3 credit bureaus and requested my credit to place a fraud alert on my credit and lock my credit. 

Wells Fargo opened Fraud Case Num : XXXX. 

In XXXX XXXX I was surprised to receive a checking account statement from Wells Fargo. 
I called the Wells Fargo Fraud line several times. Their wait times are VERY long... Waited well over an hour one day and had to hang up due to other commitments. I did eventually get back through and talked with a representative. 

I am concerned in that the representative would not share any of the findings from the fraud investigation. The rep. claims that the account has not been closed. I requested written confirmation to be sent to me showing that all accounts in my name and social security number have been closed. 

It concerns me that Wells Fargo did not close the account sooner since I reported the fraud immediately ( XXXX XXXX, XXXX ) and the account was still open end of XXXX, XXXX. 

Am I entitled to learn the findings of their fraud investigation?
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

I'm writing this complaint in regards to a collection from XX/XX/XXXX to resolve and remove fraud on my account of a sum of {$1200.00}. Creditor Liberty Mutual Insurance ( XXXX XXXX XXXX, XXXX, MA XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ) falsely used my information to insure a car without any signatures or being made aware. There was a delinquency that was given to collections and has stained my record. 

When I called to dispute in XX/XX/XXXX, collections service was rude and disrespectful. And could not resolve something that was fraudulent. 




XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (MN)

Every couple days I get a call from : Caller : ( XXXX ) XXXX A XXXX XXXX  I called them back and told them I do NOT have outstanding parking tickets in XXXX and to take me off their call list. They continue to call me.
Consumer complaint received 2022-08-26
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: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX I sent a request to AMERICAN EXPRESS to validate the account that was opened on XXXX XXXX, XXXX with a balance of {$9200.00}. To this day, the creditor was failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My variable interest loan is with Bank of America and I contacted them by phone to change it to a non-conforming product. XXXX XXXX was the agent I got and he sent me the attached offer on XX/XX/2018. He has not responded to multiple emails and voicemails. I also sent a message to the monitoring person from B of A who was copied on his email to me without response. Yesterday I called the Banks concierge line to find out if this person still worked for the bank and while I was on phone the concierge established contact with XXXX XXXX by message to inform him I was holding for him. He never came on and never called back even though I gave my number for the umpteenth time. 
I then called his boss and left a message - XXXX XXXX ( XXXX XXXX XXXX ) - no response. 
I have lost money by waiting. This is a XXXX dollar loan.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

On XX/XX/2015 this debt for {$800.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2022-08-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

In the interest of my Name and Property, XXXXXXXX XXXX XXXX, dba  XXXX XXXX XXXX, XXXX XXXX, Community loan servicing formally bayview loan servicing, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the 15 usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.
Consumer complaint received 2022-07-22
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: NAVY FEDERAL CREDIT UNION (GA)

Unauthorized credit inquiring's- credit pulled XXXX XXXX & XXXX, XXXX - shouldn't have pulled my credit 2 times in a week! Also shows inquire for XXXX XXXX, XXXX - I didn't apply for a loan.
Consumer complaint received 2019-11-18
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. (NY)

These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX  ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : XX/XX/XXXX
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

This is an unverified amount charged to my credit report of XXXX this amount is unverified and I am not aware of this belonging to me under the fair credit reporting act section 609 this amount has to be validated with a original signature I am asking this debt to be removed from my credit profile Thank you Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (IL)

I applied for this schools years ago however due to a move I wasnt able to finish the classes and in order to transfer any of the class transfer and I had to start all over again. Also, I never asked for private leans I request at the time what ever free money I got from XXXX. The school was never very good on explaining the debt. I been paying this for years and every payment I make doesnt see to make any difference instead it seems that goes up instead
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In XX/XX/XXXX I paid XXXX to my credit card, the specific date was XXXX. I pay my credit card as soon as I get paid and due to XXXX pay being early I paid earlier than I usually would. I did then not make a payment until XX/XX/XXXX, thinking that both months were covered. However these payments were communicated as being outside of the period from XX/XX/XXXX- XX/XX/XXXX. I would like to point out that XXXX is well above the minimum required payment of XXXX which was expected before XXXX. I then paid a further XXXX on XXXX. Due to this human error I have a late payment on my credit rating, which is causing significant issue and is not on my XXXX XXXX report as " high impact ''. It is due to be " optimised '' in three months ( states that it does so after XXXX XXXX however I have read elsewhere it can stay on your report for 7 years. Is there anyway that this can be looked into. I have formerly spoken with XXXX who advised there was nothing they could do. I contacted the ombudsman however heard nothing back. I would really appreciate some help with this, as although the payments may have been out of periods due to human error, it was not missed. I paid XXXX across a 5 week period. 

Thank you,
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (TX)

This letter is to file a compliant about the way you have reported my student loans to the credit bureaus. After putting my loans in deferment because of XXXX XXXX then consolidating them, at which time we never had any late payments. You have decided to report that I was over 120  days late on 16 accounts which were in deferment and the loan details from you show that we were never late and the loans are all paid off. I have put in multiple disputes and now this is keeping me from buying a home. I am asking that the correct information be put on the credit reports that I was never late on ANY payments and loans were paid off according to the consolidation
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NJ)

I had maid several attend to reach the the company as well as the bureau to remove this alleged, incorrect, non authorized and inaccurate account out my credit report. 
They bureau refused to do so. 
As a result of that my score drop, and I am at risk of being denied a Morgage. 
I will appreciate your prompt assistance on resolving this issue. 

Thank you.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

This is an update of XXXX, previously filed. The Citizen 's Bank does service this loan, they have the name wrong, XXXX XXXX is the Mortgagee, not XXXX, they do take payments at the XXXX XXXX, Va. address and their corporate address is XXXX, R.I.

They continue to send incorrect information regarding insurance payouts from escrow that never took place. They are now asking for a " shortage '' payment which is incorrect. 
I am attaching my latest letter to them, please reopen the complaint or forward it to other banking compliance regulators.
Consumer complaint received 2022-02-18
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. (CO)

The Amount say {$1700.00} Is Inaccurate. how is the High Credit lower than the balance. the high credit is {$1300.00}. I reported this 3 times they telling me Subject has not satisfied debt. Equifax is the only one reported this how do they have information that the other two Credit Bureau don't have. and the last day of Active is wrong.
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WV)

PayPal has informed me and this agency that my funds would be held 180 days. The 180 days is approaching on XXXX. My account balance in PayPal now shows {$0.00}. A debit was placed by PayPal on my account for entire amount. {$3700.00}. The transaction states payment to PayPal ; PayPal damages caused by acceptable use policy. This a fraudulent scheme in an attempt to steal funds belonging to me. I am needing a full refund ASAP. My 180 days is up. Time being of the essence.
Consumer complaint received 2022-06-14
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. (TX)

i have contacted Equifax several times about a collection account on my report from XXXXXXXX XXXX XXXXXXXX. i Filed a dispute on The account but it was not removed, not only that but it is on my report twice now as an additional collection account. When i contacted them about this they opened another dispute but never fixed it or even contacted me with the results. I need this collection account removed from my report along with these inquiries that i dont recognize and cant get them to remove Collection Account to be removed it is on the report Twice XXXX XXXX XXXX XXXX