davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2022, I initiated a balance transfer request online on XXXX XXXX XXXX website ( my credit card issuer ) for my Walmart Mastercard ending in XXXX in the amount of {$1400.00}. XXXX XXXX XXXX  online balance transfer system automatically generates the Creditors address. A few weeks after the balance transfer request, I noticed that payment had not posted to my Walmart Mastercard. I contacted XXXX XXXX  and it was determined that the payment was sent to the wrong creditor, Synchrony Bank. My Walmart Mastercard  was issued by and is serviced by XXXX XXXX XXXX XXXX XXXX XXXX mailed the balance transfer payment to Synchrony Bank. I have attached a copy of the check that was cashed by Synchrony Bank on XX/XX/2022 as well as details pertaining to the balance transfer. 

Since contacting XXXX XXXXXXXX XXXX  by phone, I have been contacted by a representative named XXXX at number XXXX. XXXX prepared a letter on my behalf and faxed it to Synchrony Bank requesting that the funds in the amount of {$1400.00} be returned to XXXX XXXX XXXX. She said in turn XXXX XXXX XXXX  would credit my credit card account ending in XXXX the {$1400.00}. XXXX has been persistently providing weekly status updates, however as of the date of this correspondence, sixty days after the balance transfer request was initiated this issue remains unresolved. XXXX said she can not process a refund to my account because she can not verify that it was a bank error. This is clearly a XXXX XXXX XXXX XXXX  error. I did not input the wrong Creditor or wrong Creditors address into the balance transfer system, it was generated incorrectly by XXXX XXXX XXXX  online balance transfer system. 

Additionally, I have contacted Synchrony Bank and the representatives I have talked with acknowledged that the balance transfer check was cashed but have not provided an avenue in which the funds can be retrieved.
Consumer complaint received 2023-01-27
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. (PA)

On XX/XX/23 I sent EQUIFAX a certified letter asking them to remove the inquiries from both XXXX and XXXX and they still have not removed these fraudulent inquiries from my credit report. I also disputed XXXX other fraudulent inquiries at the same time which they deleted from my credit file but not these XXXX. No explanation was given to me as to why they did not remove these XXXX inquiries as I have proven to them they are fraudulent. XXXX even sent me a letter ( please see attachment ) informing me that they had reached out to EQUIFAX asking them to remove the fraudulent inquiry from my credit file and they obviously ignored XXXX. I sent this letter to EQUIFAX along with my identitytheft.org identity theft report and they did not follow the law and deleted these fraudulent inquiries.
Consumer complaint received 2022-08-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc. (MD)

I attended XXXX University in the fall of 2021. They took away my scholarships and didnt let me know they would not take financial aid. I was supposed to have pell grants and loans but I was not allowed to use either. Now I have XXXX in debt sent to a collections agency and my current school will not let me graduate until I get my official transcript from XXXX university.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (TX)

On XX/XX/2023, I tried to make a XXXX payment at noon. It failed, and I tried the robotic symbol. I didn't think much of it. XXXX hours later, I received a call from a number claiming to be US bank. They started asking questions about the XXXX payment to which I explained that I was sending money to a friend that I borrowed money from. They said that the email was linked to a scammer. They started saying I was involved in fraud, piracy, etc. I called customer service at XXXX pm. I was talking to a woman who looked up my account, and she told me that it seemed like an impersonation of US bank. She told me to try to XXXX the payment again, so I did. Around XXXX pm, another number called which happened to be the same group that initially called me. I merged the call so the US bank representative could hear what was being said to me. The US bank representative introduced herself and asked for the other persons credentials, and the other person refused. After the call, I was notified that my bank account was terminated because I was a victim of a scam. Yesterday at XXXX pm, another representative tried to help me. I was told that nobody was telling her anything about my situation. She told me that it had nothing to do with the XXXX XXXX. I am a XXXX veteran. I live off of XXXX dollars a month which is XXXX pay. My account was closed with {$1300.00} still in the account. I am worried about how I am going to pay my bills. It's not easy to change my accounts because I have to contact the XXXX, XXXX XXXX, and several other agencies in order to do so. I'm worried about where my next check is going to go. I'm afraid to end up on the streets. This bank advertises equality on their commercials. However, when it comes to military veterans, where is the equality? thein I talked to XXXX named XXXX and he said I don't care who you talk to, I don't care how or employees treated you cause your accounted is getting closed and ur not part of us bank then I tried talking to XXXX XXXX about this and they said we don't deal complaints or how our employees act. 
then I received a letter in mail saying I requested on XX/XX/XXXX a extension on a dispute. so I had my case XXXX call me and the first thing is sked was did we ever talk about a extension and he said no. then I asked is there any note of it on mya account he said no and then I said I'm holding a letter saying I requested and if I don't send this in the dispute will fail. he said I'm tracking no letter at all. then is sked what do u need from me he said just dates and I told I will send that to him later he said just call back. now when I called back a lady in fraud was fighting me asking what re the dates for, why, I don't understand I literally had to tell her several ; times to give the date to my case XXXX and she said took the dates down so this letter I received is falsifying documents and is illegal ontop of that all there phone calls are recorded
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This a complaint against Experian I tried on several time to disputed these account because theres several inconsistencies and inaccuracies, and untrue. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX I dispute these XXXX account back XX/XX/2022 and XX/XX/2022 these account come back verify I asked Experian to provide me the verification method the failed to do so. As now I demand to immediately remove these accounts.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

After responding to an ad online for Chase online banking I opened an account with Chase bank around the first part of XXXX made my first deposit XX/XX/XXXX. I used that account for several transactions over the next 4 or 5 days and Chase put a hold on my account stating fraudulent activity on the account. I inquired about the hold and was told I needed to come into the branch to verify my online account. I live 4 hours away from the closest Chase, and did not get notified that I would have to go into a branch at some point when I opened my online account from my location 4 hours away. I asked them to close my account and they stated that they would have a check to the address on file in 3 to 5 business days I waited about 10 days called them back to find out no check has been sent and they can not send one without me going into the branch to verify my identity Which I did not have to do to make my deposits or open my account. I called back again and they will not release my funds. I am XXXX and need these funds for medical treatment and can not make it into a branch due to the distance of this online account.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

BK OF AMER HARD Inquiry, XX/XX/23, ( XXXX ) Received a voice mail from someone claiming to be from Bank of America asking me to contact them back to verify personal information for suspected credit fraud.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have inaccurate information on my consumer reports that is affecting the process of buying a house. Equifax is reporting late payments on my consumer reports from XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX XXXX acct # XXXX., the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; subsequent to this the law also states 15 us code 1666b timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nobody has sent me proof nor have I received my periodic statements 21 days before the payment was due, the burden of proof is on the consumer reporting agencies, and I have still yet to be proved. My next step will be litigation. Therefore, please update these accounts as paid as agree or delete.
Consumer complaint received 2022-08-29
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. (PA)

My name is XXXX XXXX and I'm submitting this complaint without any influence fromany third party or agencies. Please see attached documents and ID as is contains my full complaint and request.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I received a bill 3 years after a XXXX was performed, which I paid out of pocket for from XXXX XXXX XXXX XXXX XXXX XXXX. The date of XXXX was XX/XX/XXXX and I received a bill for the first time in the beginning of XXXX. I went back and forth with them, but they kept telling me to call my insurance, except my insurance kept saying to call them. Now, it is impossible to get anyone to answer the phone in the billing department of XXXX XXXX to even dispute this issue. THis is showing up on my credit now and causing a derogatory remark which is hurting my credit. I have left numerous messages and called dozens of times without a return call. I started to research and found that this is something they do a lot via XXXX and everyone is saying the same thing via XXXX reviews. This is not acceptable. This company is banking on it not being possible to reconcile 3 years prior and forcing people to pay money that they didn't owe because they don't want a ding on their credit. This is WRONG.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/2019, I bought tickets from an individual through PayPal. The individual informed me to pay by using friends and family. The scammer never sent me tickets nor did they offer a refund when I asked. The scammer also was aware of the friends and family versus goods and services as I am not. I paid {$250.00} to the individual for 2 tickets. I tried to cancel the transaction on PayPal after realizing the  tickets was not real, I filed a dispute and it was denied the next day. When I contacted PayPal they said I must wait until it is not pending anymore then contact the bank. When contacting the bank, they rerouted me to PayPal and said that there must be some sort of consumer protection and they would have to be the ones to do the refund since it was paid through there site. PayPal has been no help and every time I call they give me the same answer.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

How did this happen? Let me start on XX/XX/2022. On that date, I called the credit card payment phone number to make a payment on the XXXX card during which I received a payment confirmation number : XXXX. 
On XX/XX/2022, I called the payment center again to make a payment on the XXXX card. This time I was transferred to a male agent and told him that I was making a payment of {$120.00} on card ending in XXXX whose due date was XX/XX/2022. The agent processed the payment but I did not receive a confirmation number as before. I ended the call believing my payment had been properly made. 
On XX/XX/2022, I received a letter the Collections Department claiming that my account XXXX was past due. I had had not looked at my new statement at that time so I was unaware of the discrepancy. My statement for the XXXX card showed that the {$120.00} payment was placed on that card and not on the XXXX card as I had instructed the agent to do. 
I called the Online Service Center that day and talked to a female agent and explained what had happened to my account and requested that she correct the incompetence of the previous agent. She told me that she could not correct the error but that she would notify the appropriate department about the mix-up. To this date, I have heard nothing about correcting the mistake which I believe should be very simple to do.
Consumer complaint received 2021-09-23
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (PA)

Hello im writing you you because recently an account of mine was closed and I always paid on time I was finally happy where my credit was but I was deducted 42 points they closed my account because apparently I was 30 days late in XXXX but the money was in my account and it kept returning the payment I just want my credit to be where it was I will do anything please help me!
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT OR DEBT VALIDATION WITH ORIGINAL CONTRACT WITH WET INK SIGNATURE. 

THE XXXX XXXX IS ILLEGALLY ATTEMPTING TO COLLECT DEBT BY GARNISHMENT ON BEHALF OF CAPITAL ONE BY PLACING A JUDGEMENT AGAINST ME IN THE XXXX XXXX OF XXXX XXXX.
Consumer complaint received 2022-08-29
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. (FL)

I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, XXXX, AND experian of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (CA)

Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.
Consumer complaint received 2015-10-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (FL)

I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, equifax, AND XXXX  of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.
Consumer complaint received 2015-10-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NJ)

National recovery agency keeps calling to collect a debt they say is from XXXX XXXX, 2009. They say the bill XXXX for {$420.00}! They have never sent anything in writing ( no bills or letters ) for six years! I have never received a bill XXXX! I called XXXX and they have no record of this bill or of me owing any money! Iwas seen at that hospital and all bills were taken care of through our insurance! They provided an account number which does not exist!
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX I sent a method of verification letter to Equifax regarding 4 accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ask them to provide me with the following : description of the procedure used to determine the accuracy of the information, name/address/telephone number of each individual contacted regarding these accounts, copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. The dispute has been completed ( if a dispute was actually done ) and I am pleased to see that one of the accounts was deleted ( XXXX XXXX ). However as of today I have not received any type of documents from Equifax or the furnishing companies XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX providing proof that the accounts belong to me and are accurate. The only documents I have received are my dispute results from Equifax. I have been disputing these accounts every since XX/XX/XXXX and Equifax has not provided me with substantial proof of validation that they claim they've received. In light of the recent investigations brought upon Equifax, I feel that my consumer file is being irresponsibly tampered with. Just recently, I had to dispute an account because it was listed on my equifax report twice. Equifax is intentionally and willfully being neglectful in handle my affairs. This is ridiculous and unacceptable.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (HI)

They put this debt on my credit reports this month out of clear blue no letter no account number of any sort, and they place this account on my XXXX, XXXX, XXXX. And there is no account and no amount due. This account is identity thrift on my credit file 's from this creditor. And need to be remove ASAP on all three credit bureaus.