davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Through the online payment system with the credit card company/bank, I scheduled and authorized a payment to be withdrawn from my bank account for {$200.00} to occur on XX/XX/XXXX. Instead, the payment amount that was withdrawn from my checking account was for {$1900.00}, which caused an overdraft situation with my bank account and financial distress. I discovered this error today, XX/XX/XXXX, and immediately initiated a " live chat '' with the credit card issuer. I was told that this was their error and they would issue a check to replenish my account for the {$1700.00} difference that I would receive in 2 to 3 weeks. Needless to say, this is causing a hardship for me to not have these funds immediately available to me, as they were budgeted to pay other bills. I asked that the payment be electronically reversed and that the funds be immediately put back into my bank account and was told they did not have the capability for that type of transaction. I then requested that a check be sent to me over-night via XXXX and was told this could not be done for at least 7 to 10 days. This is unacceptable service and has really put a financial burden on me. How can a bank/credit issuer as large as Synchrony Bank not be able to rectify their error via electronic and immediate means? Please help.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Nelnet, Inc. (TN)

My information is being used in a manner that destroys good character, livelihood, and the community. My credit score and background has been conspired to insure that my career never takes off and because of the allotted misuse of my information this is one in the series of steps taken to provide this incident never happens to me again.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I have been making payments to Capio Partners under 2 accounts for 2 years. these are accounts XXXX & XXXX. Payment was being made through XXXX XXXX. Back in XX/XX/XXXX acct XXXX was paid in full & when I called to verify I was informed of 2 other accounts that were misscoded as bankruptcy when they realized that was an error on their part they came after me agressively & I settled those accounts & continued paying on XXXX through XXXX. That account should have paid in full this week so I attempted to verify that & was told after 6 calls to different numbers that they show no record of that account & I owe them nothing to call XXXX. XXXX shows Capio has cashed every payment sent to them even though they claim I owe them nothing since XX/XX/XXXX. Hundreds of dollars gone.no answer.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IL)

In good faith, I XXXX XXXX XXXX, Agent on behalf of XXXX XXXX XXXX XXXX XXXX accept all titles, rights, interest, and equity owed to XXXX XXXX XXXX. Upon reading and studying XXXX XXXX XXXX filings and Indenture Agreement between XXXX XXXX and the Bank of New York Mellon XXXX XXXX have discovered securities fraud to be conducted within the company. I want to begin by first explaining how securities fraud is being conducted within the XXXX XXXX XXXX. I would like to take your attention to page XXXX of XXXX XXXX XXXX filings LONG-TERM DEBT AND ASSET SECURITIZATION PROGRAMS. This states, We periodically securitize XXXX XXXX loans and receivables arising from our XXXX card business, as the securitization market provides us with cost-effective funding. Securitization of XXXX XXXX loans and receivables is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third-party investors. This is a barter transaction so if I need to contact the IRS to tell them I gave XXXX XXXX exchange of security and XXXX XXXX decided not to comply, I will file against your charter. 

Due to XXXX XXXX selling consumers securities/applications to third parties investors this amounts to securities fraud with accordance to the rules and regulations from the Securities Exchange Commission XXXX SEC ) XXXX strictly prohibits companies selling consumers Global Securities XXXX XXXX secondary market. 

The transfer of XXXX started when I gave an application for an extension of credit by applying through the respective companies website. The XXXX Security is then electronically transferred to XXXX XXXX XXXX XXXX is then transferred to the Bank of New York Mellon XXXX XXXX Trustee. 

Each Security has an attached unique CUSIP number ( Committee on Uniform Securities Identification Procedures ) which allows the use of CUSIP numbers for identification purposes in the issuance and redemption of Securities. On XX/XX/year> I applied for an XXXX XXXX XXXX XXXX XXXX XXXX and on XX/XX/year> I applied for an XXXX XXXX XXXX XXXX XXXX and was denied even though value being my XXXX XXXX, was given to The Company.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

American Express Failed to open my credit card application. I have come to the conclusion to report via XXXX Since I XXXX  with this company. Further more I am the XXXX owner of this account so I will report them to the IRS to audit my application in which I know they have stolen from me which is securities fraud forcing me to also make a report to the FBI and SEC.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Refer to the documents attached to this complaint. It has been more than 30 days and company has failed to verify and/or give any response. As per the FCRA please meet the demands set forth attached to this complaint.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

I had mistakenly set up an automatic Citicard payment through my XXXX bank account ; I discovered the error and on XXXX XXXX, called a CitiCard representative, a XXXX XXXX and requested a refund of {$250.00}, as I had made five {$50.00} payments XX/XX/XXXX through XX/XX/2019. My Citicard account had been closed for several years and I no long had the full 16 digit, as denoted by the XXXX XXXX Online Payment Information Record. Per XXXX XXXX, I was instructed to mail the information to CitiCard Payment Investigation Unit. To date, I have not to date received a formal response and made a subsequent call to a Citicard representative to determine the status of my inquiry. The representative stated the payment investigation unit could not find my credit card account nor my payments. The representative stated he would requestt an additional payment investigation. I can not believe the company can not determine where my funds were placed and that is the reason for my complaint. I will include the information that was submitted to Citicard.
Consumer complaint received 2019-05-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HOMETOWN EQUITY MORTGAGE (MO)

My name is XXXX XXXX and I am writing on behalf of my mother XXXX XXXX. 
Her Home Address is # XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
In XXXX, After filing Chapter XXXX Bankruptcy my mother 's home loan balance was XXXX. In XXXX, my mother refinanced her home with Home Town Equity Mortgage. We have documents stating that Home Town Equity Mortgage paid off my mother 's home for XXXX we don't know how there was a XXXX increase to her home loan because she never missed a mortgage payment within XXXX. In addition, to the XXXX increase ; Home Town Equity Mortgage has in the refinancing paperwork that she received a XXXX check during the refinancing process in which she never received. In XXXX, My mother was told that her home loan balance was at a whopping XXXX. She has never missed a mortgage payment ; since she purchased the home in XXXX. She also has a false deed release in XXXX on her home that she never authorized. The Deed Release was notarized by XXXX XXXX and XXXX XXXX. Both women have been associated with mortgage fraud. In gist, my mother has been making unfair mortgage payments for the past fourteen years and this must stop. Please assist us in providing my mother with justice. We would like for Home Town Equity Mortgage to be investigated for unethical business practices. 
In our research, we have learned that Home Town Equity Mortgage has an infamous reputation for mortgage fraud. We would like actions to be taken because we don't want something like this to happen to another family. 
Sincerely, XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NC)

On XX/XX/2017 my wife received services related to her XXXX from XXXX XXXX ( XXXX XXXX XXXX ). The amount owed for these services was {$160.00}. 

Initially, we were informed this and all other bills related to her regular check-ups during XXXX were covered under a global charge that we paid upfront as part of my wife 's XXXX services. As a result, when we initially received a bill for this we believed it to be in error. We received two follow-up bills and two follow-up calls. As a result, we contacted the office about this charge. As it turns out, the offices initial communication was incorrect and XXXX  were not covered under the global charge. As a result, we did in fact owe the {$160.00} bill. Unfortunate communication mix up but no issues yet. 

We then proceeded to call up XXXX and attempted to pay that amount. We called up their billing line and there were multiple charges outstanding at the time. As a result, we paid all outstanding items. As part of this conversation we explicitly asked to confirm that our outstanding bill from 2017 was paid in full. They collector confirmed that that bill and all other amounts had been paid. 

Following this call, we were contacted by MEDICREDIT , Inc, a collection agency. They claimed this amount remained unpaid. We called up XXXX again and they confirmed all outstanding amounts had been paid. We then contested MEDICREDIT 's derogatory mark on my wife 's bureau. XXXX, however, confirmed that the {$160.00} remained unpaid. As a result, we contacted XXXX for a third time. This time the agent once again confirmed that we did not have an outstanding balance. When I explained the full situation again, however, the agent asked me to hold and forwarded me to another group. This separate group was then able to confirm that the {$160.00} remained unpaid. 

The issue was a systems error on XXXX XXXX part. The {$160.00} charge was removed from their current system in put into archive at some point prior our initial attempt to pay the bill. As a result, although the agent confirmed that all bills had been paid, the {$160.00} bill remained unpaid. 

As a legitimate debtor, we of course are going to pay the {$160.00} debt outstanding. We, however, requested that XXXX remove the derogatory mark from my Wife 's credit bureau, as the bill remained unpaid due to incorrect information presented by the Company due to a systems error. 

XXXX informed us that they are not responsible for providing us the amount of debt outstanding on our account. They informed us they can only present information according to their system regardless of the accuracy and they not responsible for any inaccurate information that may be communicated to the consumers. 

We will of course pay the debt, but we do contest XXXX XXXX claim that they are not responsible for a derogatory mark on my wife 's credit as a result of their multiple inaccurate statements with regard to the amount of debt outstanding.
Consumer complaint received 2019-05-24
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. (IL)

There are over 77 hard inquiries on my Transunion report, I have paid two credit repair companies to resolve these issues and more. I also called Transunion directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.
Consumer complaint received 2016-11-15
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NCB Management Services Inc. (FL)

I have been constantly harassed over the phone after I asked not to contact me in Reference the debt, I asked him to verify the debt because I do n't owe NCB the collection agency anything, they have reported the last payment date is incorrect the amount I owed the debt is incorrect, the company they representing I never owed that company, I did n't give them authority to report this inaccurate info to the credit Bureaus. please verify my debt, please verify date last payment made, and the correct amount owed. also I did n't miss any payments on this account.
Consumer complaint received 2019-10-07
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)

A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.
Consumer complaint received 2023-04-10
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$8100.00}
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: Professional Placement Services, LLC (IL)

This Health Care facility along with Professional Placement SVCS has violated my Health Insurance Portability and Accountability Act ( XXXX ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my XXXX rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
XXXX XXXX XXXXXXXX Acct # XXXX. 

Why has this been able to happen?
Consumer complaint received 2019-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (NY)

On XX/XX/2019 I purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX New York. The purchase agreement was assigned to EXETER FINANCE LLC in Texas, i received the first statement in beginning of XX/XX/2019 and I mailed to EXETER a Certified Check, an IRS form 1040V, a New York State UCC-1 Affidavit Of Ownership filing # XXXX, a Kentucky UCC-3 filing # XXXX where I Register the Certified Check/Security Instrument, all the mentioned items were received by EXETER on XX/XX/2019, on XX/XX/2019 I received a XXXX mail from EXETER/XXXX XXXX stating reception of the certified check and claiming " EXETER does not accept the document purporting to release the customer 's responsibility in the XXXX XXXX VIN # XXXX ETC ... without returning any of the document ( s ) sent ( 1040V, New York UCC-1, the Certified Chek, the Kentucky UCC-3 ). I gave EXETER FINANCE 10 days to return everything received from me if there was any defect for me to correct it they did not, meaning the alleged debt was discharged after the 10 DAYS WINDOWS. They sent me another statement with adjustment of {$44.00} along the monthly payment, I sent them a SET OF GSA BOND ( SF30 Amendment of Solicitation/Modification Of Contract, Optional Form 90 Release of Lien on Personal Property, Optional Form 91 Release of Property from Escrow, SF 1414 Consent of Surety SF1416 Payment Bond for other than Construction, SF1418 Performance Bond for other than Construction to Satisfy/Settle/Close the Account, two days after they received it XXXX XXXX MAILED ME BACK via XXXX everything that they received in XX/XX/2019. They still have the GSA Bond to Satisfy/Settle/Adjust the Account according to the instructions on the bonds
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.
Consumer complaint received 2023-04-10
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$440.00} ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (FL)

I have a son, XXXX XXXX XXXX, aged XXXX, XXXX but high functioning. I still have guardianship & conservatorship. I set up a student checking account with NO overdraft for XXXX at BB & T, my bank for over 15 years. On XX/XX/2019 XXXX received a snapchat from someone claiming to be from the Secure Checking Network center in XXXX, XX/XX/XXXX, offering money to be deposited into his account. A scam obviously to you and I, but NOT to XXXX which is why I set what I thought to be reasonable restrictions on the account. On XX/XX/XXXX a mobile 'deposit ' of {$1800.00} and on XX/XX/XXXX mobile 'deposit ' of {$3100.00} were made into XXXX 's account. Apparently BB & T gave full credit to these deposits without verification because on XXXX all that money and more made its way out of the account as out of state transactions. At the same time XXXX was using that ATM in XX/XX/XXXX for incidental purchases at XXXX XXXX XXXX and XXXX XXXX It seems the bank had several " last clear chances '' to detect this fraud ; noting that XXXX rarely had more than his part-time weekly paycheck of < {$270.00} in his account at any given time. It would seem their contributory negligence far out ways any errors made by XXXX. He has not shown any fiscal or proprietary gain from these transactions. Yet BB & T, rather than try to ascertain the details of the fraud, directed XXXX, and by association me the parent account holder to take out a loan to pay the bank back over {$3500.00} stolen from THEM, not us. Forfeiting XXXX 's account, likely less than {$30.00} at the time, is a given. But to hold us responsible for the amounts claimed on this fraud is onerous and downright unconscionable.