davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NJ)

I had reached out on numerous separate occasions asking for a deferment. Each and every time they told me there is nothing they can do I was denied. I told them constantly i can not do it right now. My wife is not working, she has no income. She is fighting with her last job while having a claim in with the state to retrieve her funds that they never released. She is not able to collect unemployment until that is resolved so has no income. It is only mine and I can not afford all the bills by myself. I asked them repeatedly for a XXXX month deferment and they refused to work with me and instead and have no reported me payment as late to the credit bureaus. I have made payments to them and also told them when I got paid again I would pay the month up to date. To them that still was not good enough and would not cut me a break for just XXXX month when during the last several months my wife and I had both lost hours at work prior to this due to some of the covid spikes plus her occupation is not back all the way yet due to being a teacher so has been trying to find things to fill in here and there and they still just keep turning me away. I had to go to a debt program for my credit cards because it all got to be to much with inflation and companies refusing to offer assistance on top of trying to keep my house for my XXXX children. Not to mention the car was involved in a hit and run that now is in the auto shop that I somehow have to come up with money to pay for a deductible when somebody smashed the XXXX side completely up and then left the scene and the cops did nothing about that either.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX  XXXX  opened XX/XX/2016 balance {$1000.00} XXXX XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX/XXXX inquiry XXXX  XXXX
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

I have 2 probles that I an hoping to get resolved. 
1. It appears that I was entitled to a recission of a mortgage that XXXX had with wells fargo, but I was never properly notified. they notified me well after I paid off the mortgage. I believe that I should be entitled to all the interest that I paid during that time. 
2. while an emploee of wells fargo-they were monitoring both my personal accounts and business accounts.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

his is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX  XX/XX/2019, XXXX  XX/XX/2019, XXXX  XX/XX/2019 AND XXXX  XX/XX/2019 AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My husband has no middle initial. I have no middle initial. All of a sudden we are seeing mail from our bank and other companies showing we each have the same middle initial. I telephoned Trans Union twice. Each time the call was answered by someone from a call center I believe was not in the United States. She asked a security question. Name 2 of these 6 companies your husband worked at. My husband worked for none, not one, of those companies.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I wish I didn't have to file this complaint. However, I am at a loss when it comes to synchrony. I'm a victim of identity theft ; I had an individual completely take over my checking accounts during the holiday. I notified Synchrony 's customer service department on several occasions. Unfortunately, I never received the help in which I requested. I let them know that I was working on getting this resolved ASAP. Because I utilized my checking account previously to pay my SAMS CLUB/ SYNCHRONY account, all of my other financial institutions made arrangements to assist me. From my personal experience, it appears that synchrony punishes customers for being victims of identity theft. I received absolutely XXXX assistance ; I also notified several managers that I was having a hard time on the app removing my checking account that had been compromised as I could no longer use this account to fund my synchrony account. When I initially tried to remove the account, it said it was removed as a funding source, only to find out later that it was not. Identity theft, unfortunately, isn't remedied overnight. Based on Synchrony 's practices, they come off as very insensitive. I requested that my account be reopened as I found it unfair that it would be closed simply because I was a victim. I asked for help or other alternatives while waiting for my bank to investigate the account. We are a military family. We work very hard for everything that we have. I would appreciate it if Synchrony would show goodwill and reopen my account. For some reason, I also have a 30-day late which I don't understand, and I'm asking that the late payment be removed. I tried my best to be proactive and to get ahead of the situation. This did take place during the holiday. It took nearly until the beginning of XXXX for everything to be sorted out with my funding bank. The result was that I had to open a new checking account. This was for my protection. I want to think that Synchrony bank cares. I was asked to provide a letter stating that my identity being stolen was the reason my payments were returned. The issue with that, Is according to my institution. They can not free-hand letters ; they have to send out templates based on the situation. I asked if you guys would take a police report I was told no. This is entirely unfair. I aim to re-establish and maintain a great relationship with synchrony ; please help me with this.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (CA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ROBINHOOD MARKETS INC. (RI)

On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXXXXXX XXXX on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from Robinhood and the money was successfully deposited into a bank account through XXXX XXXX  XXXX on XX/XX/2021. I have the sequence number the bank account number but when I called XXXX XXXX XXXXXXXX they would not disclose any information to me as to where my money went. I have been in contact with Robinhood, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I called conn 's to see what the outstanding balance was and they advised me they no longer had my account and that I would need to get ahold on their 3rd party they used to handle outstanding balances the woman I spome with  transferd me to a company called XXXX and I spoke with a man who told me I owed and at first he was very understanding and wanted to help but what caught my attention was when he said how many outs I had that I had a duplicate account I asked for my balance he said it was for {$1200.00} which is not correct when I told him that his deminer changed and was very pushy wanting me to agrre to a settlement and how it would be in my best interest I told him that I wanted to verify the account to make sure it wasn't a duplicate account like he had stated I told him I would call conn 's myself and he said he could get them on the phone like a conference I said ok he never did, he wanted my checking information so he could better assist me I refused to disclose that with him ultimately I hung up on him and called conn 's and told them what had happend they said therr was nothing they could do because XXXX purchased that out from them that I would have to contact them again I owe them {$630.00} they duplicated my loan and now want to charge me {$1200.00} how can they do this why do they want to charge that on my credit report it shows I owe one account for {$630.00} and one with the same account # for {$1200.00} conn 's seems to not have any information or knowledge about this how can companies do this or allowed to act in this manner.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from capital one saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.
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: Experian Information Solutions Inc. (NY)

I have contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank you
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: XOOM CORPORATION (CT)

I initiated a money transfer with Xoom specific instructions for the funds to be sent to the recipient in USD.When the transfer was instead sent in XXXX, I requested of Xoom a full refund of the value of the money transfer of $ XXXX.According to Xoom 's written user agreement a customer is entitled to a full refund in cases of error where the transfer is not done according to the sender 's instructions. 



I received a written response from Xoom acknowledging the error but then only offering me a refund of the {$7.00} money transfer fee.This is inadequate according to Xoom 's refund policy which states a customer is to receive a full refund in cases of error where the money transfer is not sent according the the sender 's instructions.I have included Xoom 's user agreement regarding refunds. 



Please help me get my money back. 



Thank you 14. Refunds To request a refund, please click here for Customer Service. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a Recipients account. You can cancel your Transaction for a full refund within 30 minutes of authorizing your Transaction, unless the funds or mobile reload have already been paid out to the Recipient or Service Company. After 30 minutes, we generally do not provide refunds unless we did not process your Transaction according to your instructions or we are unable to pay out the Transaction.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX  New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank you
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

Do not owe this amount to whoever AFNI Debt Collection Company that represents XXXX XXXX. I talked to the CEO 's Assistant and the individual told me he would settle my account for a lower amount than this. 

If XXXX XXXX changed those terms they never notified or made that agreement with me. I do not owe {$160.00} to XXXX XXXX
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

What good is this portal, if you accept a company 's response, even though answer was FULL of mis-truths, but you accept it & close the claim? I filed complaint # XXXX, which was closed as soon as the company responded. I had to edit original complaint MANY times, due to website 's character limits.There were MANY facts omitted, I thought more info would be requested later.Appears to be total waste of time. I overpaid my mortgage for 2 months by over {$300.00}. but I managed, did homework to get it fixed, but many errors were made by company in process. They opened 2 help tickets on XX/XX/XXXX-one to update taxes, other to re-analyse, was told would get new analyses 7-10 days later. When called on XX/XX/XXXX, ticket to re-analyse was closed on XXXX, because taxes were not updated. Verified by phone, prior to XXXX insurance payment being sent, new declarations page had been received-payment amount info had not been updated. Why are you here, if not to help consumers?
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Central States Recovery, Inc. (OK)

On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with Central states recovery and the original creditor XXXX XXXX XXXX XXXX XXXX about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company XXXX debt recovery solutions XXXX in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

Unknown : XXXX
Consumer complaint received 2022-08-18
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. (CA)

I have numerous inaccuracies on my credit report starting with previous addresses that are wrong and not mine. Previous employers that are not mine and 3 accounts that are labled charge off which is in correct and an account that was never late and an account with the date of activity which is wrong
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

NEW COMPLAINT ... .. 

I posted a payment on their website on XX/XX/2019 ... they processed the payment and then tried to charge me a late fee and a returned check fee. 
account number XXXX I have asked these people on several occasions to stop missing up my account and payments. 

Please help ... ....