davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I have called the company and asked when the bills are sent out, they state they send them down “to get mailed out” on the XX/XX/XXXX and the bill is due on the XX/XX/XXXXthe following month. This doesnt pass through my mail station u till the XX/XX/XXXX or XX/XX/XXXX. Mind you they know it takes “7-14” days for it to be delivered to a clients house. They say they allow 24 days for the payment cycle, yet in reality i only have about from  the XX/XX/XXXX to the XX/XX/XXXX of the following month which is roughly a total of 17 days. I put the payment in the say i put the mailbox in the mailbox on the XX/XX/XXXX and they dont receive it before the XX/XX/XXXX they are claiming it as a late and charging me $XXXX plus interest. According to the credit card act i have looked up on line they must give you a minimum of 21 days to pay the bill. All my mail gets scanned at the local post office before it reaches my door so i have at least 2 pictures to prove that the bill doesnt reach my house until those dates and it seams like they are aware of this and it may be happening to other
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (CA)

In XX/XX/XXXX I started to struggle making payments due to a XXXX XXXX XXXX and limited access to my bank account ( which had also been drained by someone who had access ). Upon coming back I missed several payment showing on my credit in XX/XX/XXXX and XX/XX/XXXX. The company has since blocked me from making payments over the phone or online. They told me I must make them in person at the store or by mail for 6 on time payments. I was told this after going through countless customer service reps and being told different confusing things and not being directed to anyone who could tell me anything specific. I have since then made 6 on time payments and am still not able to pay online as I was told. The biggest issue with this I am I now out of the military and this is a military store. Theyve given the option of mail but its really out of the way and all Im trying to do is pay off my debt. They are intentionally making that more difficult and the customer service rep went as far as to tell me that it was punishment for missing two payments. This was already frustrating as prior to this I had made over {$300.00} payments for 7 months on min {$30.00} payment. I was already paying above and beyond so why punish me? And how is that their duty? This is suppose to be a military supportive store and theyve already reported my credit even knowing the common military situation I was in, so now I dont understand them intentionally making this more difficult and I have no base access to make these payments in person. I have attempted to call and have the issue resolved but am always sent in circles being told different things. I feel as though I am being prevented from paying my debt to them and they are quick to report these things. They take too long to give answers, if those even ever come honest or correct, and I am afraid theyll take so long I will not be able to pay on time. It feels that they are intentionally ruining credit and refuse to come to any resolution or work with Me. Any time I call I dont think Im able to connect with anyone able or willing to listen or help. I just want to pay my debt and be done with them for good if they would just allow it.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (MI)

I sent a letter to company named XXXX XXXX XXXX XXXX XXXX ( XXXX ) an disputed a account they said I had at XXXX XXXX XXXX XXXX! I have never had a mobile phone with XXXX XXXX XXXX. so then I got my XXXX report and I see they have put it on my XXXX acct. But it wasn't on there for years I don't know where it's coming from???
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late Marks - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX 60 Days Late Mark - XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

Continental Credit Control in XXXX XXXX has been re-opening my old debt I paid 9, going on 10, years ago. They have been hounding my credit every week adding a dollar to my fake collections every time I dispute this. They have been received horribly in all online forums and complaints portals such as XXXX, and XXXX. They do not follow Californias statute of limitations nor am I finding anyone willing to help the thousands of us that are experiencing these scams. I paid this collection 9 years ago and I will not give my information to them over the phone to end this.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

The amount of {$1000.00} was stolen from my account/atm Sunday XX/XX/XXXX and another purchased was made on my account for {$400.00} it doesnt say much just card number was entered by merchant and the category was account, auditing and the date for this was also XX/XX/XXXX but it pending for the XXXX. This is not the first time this has happened, I reported an issue like this for a smaller amount of {$500.00} and they denied me and blamed me for the situation. Banks is wells fargo
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I viewed my Bank of America XXXX debit card account online and saw that over 10 fraudulent charges had been placed on my car, Totaling in a little over {$1700.00} dollars. The charges mostly were from a smiths fuels gas station. The nearest XXXX gas station is in Nevada. I live on the coast of California. And have never been to Nevada. 
I immediately contacted Bank of America, cancel my card and filed a claim. I was assured that they would review my claim and get back to me in 90 days. On XX/XX/XXXX, I received a letter stating that my case and been closed and that the money credited to my account will be taken back. Bank of a AmericaXXXX card has a {$0.00} liability. And I was robbed. And then Bank of America deemed it not fraudulent. Which is not true. 
Side notes : I never lost my card ; I never gave my card to anyone. I did not share my card information with anyone. I have seen many other people in this same situation with XXXX and the Bank of America pre paid card. Somehow we are being hacked and virtual robbed. And we are being wronged the the very companys who claim to protect us. What is {$0.00} liability, if low income people like me can not find resolution to a legitimately unjust act, like virtual theft during a pandemic? 
Thank you for your time and I hope we can make this right.
Consumer complaint received 2019-03-31
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: SYNCHRONY FINANCIAL (NV)

I did a pre qualifications with PayPal Credit syncb ppc .they only ask for the last 4 digits next thing I now its a hard inquiry on my credit report they ware only supposed to do a soft pull not a hard pull
Consumer complaint received 2019-07-12
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. (MO)

My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX  {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX  {$760.00} 4 ) XXXX XXXX XXXX   {$950.00}
Consumer complaint received 2023-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Brock & Scott, PLLC (NC)

WRONGFUL FORECLOSURE AND WRONGFUL EVICTION I am a living, lawful woman whose " real '' property and " personal '' property was stolen, sold, and transferred without my knowledge. My children and I are now homeless ; suffering immediate distress and injury from loss of property. 
experiencing irreparable loss, injury, and damages permanent loss of home and land after the wronged borrower fulfilled and performed all contractual duties loss of personal property wrongful lenders stole private property from violation of breach of contract by the denial of my inalienable AND contractual rights ( of the living, lawful woman ) ; CONTRACT IS NULL AND VOID having only one signature on the mortgage loan promissory note and on the mortgage loan security. MY SIGNATURE WAS THE ONLY SIGNATURE. The bank/lender ( s ) never signed the original promissory note. 
violations of : non-full disclosure ; misrepresentation with fraud ; wire fraud ; identity theft ; identity fraud ; deceptive trading practices ; non-consent ; misconduct ; intentional billing errors ; and more fraudulent short-sale The foreclosure process started in XXXX or XXXX. The private property was sold/transferred to a different lender in XX/XX/XXXX without full disclosure and without my consent. 
In XXXX, debtor/principal/secured party/trustee/wronged borrower fulfilled and performed obligatory duties with several ACCEPTED/ENDORSED payments with consideration to EACH bank and lender with the following : bill of exchange ( {$500000.00} AND {$360000.00} ) ; security instruments/vouchers/remittance coupons ; 1099A ; 1099C ; bill of credit ; letter of credit; etc... along with notices of fraud, contractual violations ( breach of contract ) ; deceptive trading practices, misrepresentation with fraud, wire fraud, intentional billing errors, harassment, identity fraud, identity theft, etc... and more. TOTALLY DENYING MY INALIEANABLE RIGHTS WITH THESE VIOLATIONS.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (OH)

Whoever it may concern, Since XXXX of XXXX, I have been a Cash App customer under the name XXXX XXXX. I am writing to dispute a transaction that occurred on XX/XX/XXXX that was not authorized. 
On the date indicated above, my employer XXXX XXXX XXXX XXXX XXXX XXXX deposited {$270.00} into my account. However, when I checked my account at XXXX XXXX, I discovered that the funds had been removed. At XXXX XXXX, I engaged in a communication with XXXX, Cash App Advocate, who informed me, " I see that we were notified of your {$270.00} direct deposit on XX/XX/XXXX at XXXX XXXX. XXXX. Typically, it takes one to five business days for the funds to be deposited into your account. Although we can not deposit these funds any faster, they will be available in your account as soon as the bank settles the deposit. It may take 1 to 5 business days for the funds to become accessible in your account, XXXX. 
However, I contacted Cash App on Monday, XX/XX/XXXX at XXXX XXXX and inquired about the status of my funds with XXXX XXXX ID XXXX. The representative informed me that between XX/XX/XXXX and XX/XX/XXXX, several technical issues increased my available balance, which paid for purchases at XXXX, and they deducted funds to cover those costs. 
Concerning this matter, no communication was ever sent informing me that there were technical issues that would have an impact on future finances. 
Second, their staff 's inconsistency regarding the status of my funds is perplexing, and I need to know the status of my funds. 
Third, the lack of these funds has contributed to financial hardships ; how will this issue be resolved? 
In addition, I would like to submit copies of the conversation in which XXXX confirmed that I would receive my money.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$2000.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2019-03-31
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: ALLY FINANCIAL INC. (MO)

On XXXX  XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/19 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-05-31
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: Credit Plus Inc (NC)

On XX/XX/2019 I went to a dealership for an auto repair. The salesman ensured me that I would qualify for a new vehicle through trade. I insisted on having my credit report ran because I did not want another hard inquiry. The salesman stated that he has been in the business long enough that he could evaluate my credit worthiness without a hard inquiry. To my surprise, my credit report was indeed ran, and now I have a inquiry.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 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 a account without my written instructions
Consumer complaint received 2019-05-31
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. (MI)

I contacted Equifax today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 9 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified Equifax of this. I asked Equifax to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Equifax is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (CA)

I just received correspondence from Convergent Outsourcing, Inc. regarding a balance I owe to XXXX XXXX. A representative from Convergent contacted my XXXX year old son asking to speak with me. My son 's phone number is private and I have never provided it to anyone. I am unsure of the method used to obtain his personal information, but I am not happy and advised them of my concern.