davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

Hello Sir/Ma'am I have purchased furniture from XXXX store and they gave me interest free credit for two years. The credit account is with Synchrony Bank. Payments were normally taken out of my XXXX XXXX XXXX XXXX   until XX/XX/2018 when I was shocked that Synchrony Bank withdrew the total balance from my account! After contacting Synchrony, they claimed that I made full payment which is illogical! Anyway, after submitting a dispute XXXX XXXX XXXX XXXX refunded me my own money. The problem is that Synchrony suspiciously claiming that they credit ( refunded ) me the whole amount again and trying to charge me!! I called Synchrony bank to investigate but they insists that I was paid twice. I have only one checking account with XXXX XXXX XXXX XXXX and they confirmed that only XXXX refund to my account through XXXX XXXX  XXXX XXXX! I need your help please
Consumer complaint received 2019-01-21
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: Deinde Online Services, LLC (WI)

I have been receiving emails from Integra credit about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have XXXX XXXX on them. Contact was made and to no aveil nothing has been done to stop it.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In the fall of 2018 I noticed that my XXXX XXXX store card had purchases on it that weren't mine. I went into the store and complained and an employee told me that someone used my social to make the purchases. I was upset because they did not require photo ID to approve this transaction and left me with the balance. The employees at the store were of no help so i went to the police to file a report. I was in Florida when the fraudulent purchases were made in New York. I showed the officers my flight itinerary and I was advised not to pay a dime given I didn't make any of the purchases. Now the account is in collections and the balances has risen. they contact me over the phone and send me mail each month.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

My father & I went to XXXX in order to move my phone line off of my fathers account onto my own account. We were told by the XXXX customer service agent that per Equifax, my social security number did not match their records and that I did not have any credit history. Because of this, XXXX would not establish my own account without a large down payment. I am a XXXX and my sister and a brother who also do not have any more credit history than I do were able to more their XXXX lines off my parents account and establish their own without any problems. I have filed both federal and state taxes for the past 2 years as well as pass several background checks. XXXX made a couple additional attempts with Equifax to establish my identity at Equifax 's request. XXXX faxed to Equifax a copy of my Social Security card and my drivers license. For some reason Equifax would not accept it. We were told to file a dispute through Equifax and again include a copy of my Social Security card and driver license. I never heard back from Equifax. You will see at the top of the attached document the time and date it was sent from XXXX XXXX. I called Equifax yesterday and I was told they did not have any record of my dispute or faxed info. I was told the only was to fix the problem was for me to take out a loan and/or a credit card in order to establish a credit history. I refuse to borrow money to fix their erroneous records.
Consumer complaint received 2018-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XX/XX/2018 : I entered a debt modification program through XXXX XXXX XXXX of XXXX, AZ. 

XX/XX/2018 : I made my monthly car payment of XXXX to Capital One Auto Finance. 
. 
XX/XX/2018 : Capital One Auto Finance debited XXXX from my bank accout as agreed. 

XX/XX/2018 : Capital One Auto Finance reversed the payment. 

XX/XX/2018 : Capital One Auto Finance sends an email advising my payment was late, warning me of extra fees ans charges. 

XX/XX/2018 : I again make a payment of XXXX to Capital One Auto Finance. 

XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I fax Capital One Auto Finance a cease and desist letter, providing evidence that my payment was made on time and then rejected for what I assume is my association with XXXX XXXX XXXX. I include a copy of CFPB XXXX XXXX and advise them they are in violation of the XXXX - XXXX XXXX per the CFPB Bulletin. 

XX/XX/2018 : Capital One Auto Finance again debits my bank account as agreed for XXXX XX/XX/2018 : Capital One Auto Finance again reverses the payment. 

XX/XX/2018 : I've made a payment XXXX, making my account current with Capital One Auto Finance, a day before my XXXX monthly payment is due.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (CA)

Experian is running me around and around in loops, knowing full well that I have the supporting document needed to correct my Credit Report. XXXX, my student loan servicers issued me an In-school deferment effective XX/XX/XXXX through XX/XX/XXXX, as I am back in school. I sent the In-school deferent along with my account statement showing the correct loan and the deferment showing XX/XX/XXXX through XX/XX/XXXX. My Experian Report currently shows I am 90 days for XX/XX/XXXX and 90 days late for XX/XX/XXXX, which absolutely decimated my credit score, which they refuse to correct even though they have the proper documentation and I submitted a proper dispute. I am being taken around the garden path and can get no assistance from Experian. Please assist me!
Consumer complaint received 2019-09-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2000, I borrowed {$290000.00} on a Line of Credit with XXXX XXXX to purchase my home At XXXX XXXX XXXX, XXXX, Nj XXXX. The loan was repaid on XX/XX/2000 when I got a mortgage, I recently found I still have a lien on the property related to this loan from XXXX XXXX.XXXX  merged with XXXX and XXXX with Bank of America, .I have contacted Bank of America and they have been no help. They pretty said, It's your problem, figure it out. By the way there haven't been any transactions related to this XXXX XXXX line in 19years, Of course there is no XXXX anyway. 
As you can imagine after 19years and being flooded by hurricane XXXX, I have few records related to these transactions. 
I need this lien discharged so I can get a Line of credit with XXXX XXXX. 
Bank of America has me call Customer Service @ XXXX who simply repeat what they have on their system. There is an email address XXXX XXXX  XXXX with ID # XXXX. They simply delegated the problem back to me. 
I need your help to get Bank of America to rlease this meaningless lien as the sucessor to XXXX/XXXX.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been with Navient for probably 12 years now. I have never been able to afford to make payments on my loans, due to my debt being so much higher than my income. Navient never ONCE offered me the option of an Income driven repayment plan. I have talked to them dozens of times over the years.

I found out about it on my own about two years ago and requested it from them. I have been in forbearance ALL of these years while my interest has continued to accumulate and skyrocket my balance into a payoff amount I will never be able to afford and nearly double my amount owed at graduation. I understand there is a law suit against Navient for this matter and I want them to write off my accumulated interest due to their unsavory and unethical collections practices. Please help! 

Had I been on this IDR back when I started asking for help, I would be almost half-way through the commitment as opposed to only a few years in.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Checked credit and I show these accounts are still revolving. I already checked with transunion and disputed the following account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these accounts
Consumer complaint received 2023-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (SC)

XX/XX/2023 : I attempted to make a withdrawal from a XXXX XXXX ATM for {$900.00}. With atm fees and associated Cash App fees, the total was {$900.00}. All of the money was not dispersed, so I went inside to the bank ( XXXX ) and spoke with the representatives of the bank, who referred me to the number on the side of the ATM ( XXXX ). After speaking with XXXX XXXX representatives ( XXXX XXXX XXXX XXXX I was told that I would need to file a claim with Cash App, and they would confirm at the EOD if the monies were collected from the ATM. At this time, the Bank Manager also reached out to Cash App to speak to a representative and file a claim on my behalf. 
As directed, a claim was filed. 

Between XX/XX/XXXX, XXXX XXXXXXXX XXXX ( notably XXXX XXXX XXXX ) I followed up with Cash App ( XXXX ) via their chat support ( in-App ). Screenshots of these conversations can be provided if necessary. 
I was asked why I was contacting support, what transaction, did I file a dispute, etc., and each time I was told " I need to transfer your case to a specialty team '' or " We are unable to provide any more information about your dispute filed XX/XX/2023. '' XX/XX/2023 I received an in-App notification that my claim was denied. I immediately reached out to Cash App ( XXXX ) to request the information used to make this determination. I was asked for my email address, assuming that I can not be transferred or escalated to the dispute resolution or legal department. 

XX/XX/2023 Reached out to Cash App once again ( XXXX ), inquiring on the email with the information requested. I was once again met with " What is the best email to reach you? '' At this time, I asked who would be the agency to file a formal complaint to, and I never received a response. 

XX/XX/2023 Reached out again ( XXXX XXXX, and was told that it would take a few days for my request. 

XX/XX/2023 Received an email from Cash App with nothing but the transaction record ( which can be found in-App -- attached below ), stating that I had withdrawn {$900.00}. I reached out to Cash App once again ( XXXX ), who stated, " I'll need to transfer your There were no statements or mention of the bank reaching out, no mention of my own communication, etc., Just a one-liner. I immediately called the bank ( XXXX ) who once again filed a dispute with the company. 

XX/XX/2023 Reached out to Cash App once again via phone as detailed below : XXXX ( XXXX, CSR disconnected the call ) *calls are recorded Called back at XXXX ( XXXX, XXXX ) *requested to speak to a supervisor, and was again asked for an email address. 
I received an email response with the same general information from Cash App ( XXXX ) as attached below.
Consumer complaint received 2021-04-13
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. (OR)

Dear Equifax, XXXX, XXXX, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. 

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-21
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: EQUIFAX, INC. (GA)

I have made multiple attempts to dispute an inaccurate public record on my credit report. Despite my request for proof of verification, methods of verification, etc., the company only responds with the " information has been verified ''. 

Failure to provide me with the requested information is in direct violation of section 609 of the FCRA rule.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2019 against my better judgement i paid for services rendered through paypal. I sent {$220.00} and they wouldn't release it to the receiver. On or about XX/XX/XXXX, after multiple attempts to resolve the issue i involved my bank. I requested a dispute. I told PayPal before i called my bank that this is what i was going to do. 30 minutes later they released, i called my bank and cancelled the dispute. PayPal took it from the receiver and is now holding it and showing no intent to return. I am awaiting a call from my bank but until the bank can do something, Paypal still has my money. This is wrong.,
Consumer complaint received 2019-01-21
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. (GA)

My identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report XXXX XXXX Police # XXXX ) a copy is attached. 
Please remove this account from my credit file. 
Thank you.
Consumer complaint received 2021-04-13
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: HYUNDAI CAPITAL AMERICA (CA)

KIA MOTOR FINANCE is violating FCRA FDCP TILA statutes. I XXXX XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I am contacting you the Consumer Financial Protection Bureau to oversee this complaint and enforce the laws created and sanctioned by your organization and the United States. In this matter the Unites States is, according to 28 U.S. Code 3002 ( 15 ) ( A ) a Federal Corporation This complaint is being addressed to the CFPB the regulatory body that enforces Regulation M. The actions required in this complaint are to ensure that KIA MOTORS FINANACE and their representatives make recompense and or pay redress and compensation for their trespass against me. 
The Exhibits labeled A through G-1 in this complaint shall prove that Kia motor finance is violating FCRA FDCP statutes. Kia Motor Finance has had 8 separate occasions to address my ID theft report in affidavit form concerning a fraudulent account that is reporting on my consumer credit profile. Violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i : 12 CFR 1013.1 - Authority, scope, purpose, State of California CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures 15 USC 1692
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (GA)

At the beginning of   XXXX   I started the process to have my payment reduced through  XXXX . Every other month I would check in on the process to see how things were going. Each time I would be informed that they needed my Tax Docs or need a new application. I would comply and submit the documents, but the next month I would receive the same feedback. After a year they were finally able to derive my new payment. At that time I spoke with a supervisor and asked her to explore if the interest accrued during the extended period could be forgiven since this was purely the fault of FedLoan Servicing. After a couple of weeks she said that it was determined that  FedLoan  was at fault and that I would not be charged the interest accrued during that time. Today I learned that I was in fact charged the entirety of the interest despite their admission that they delayed the entire process.
Consumer complaint received 2022-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Original Creditor : Florida Hospital Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to receive medical care at Florida Hospital. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify Florida Hospital that the debt is the result of identity theft. 

My personal information was used to obtain medical care in my name, which I am not responsible for. An identity theft report will be included. Also, a police report is in the process of being filed in regard to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. 
The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that the information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. 

Please provide me with the following documents related to this account : XXXX. Application records or screen prints of Internet/phone applications XXXX. Statements or invoices XXXX. Payment/charge slips XXXX. Investigators summary XXXX. Delivery addresses XXXX. All records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts XXXX. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : XXXX notify the original creditor that the debt is the result of identity theft ; XXXX stop collection proceedings against me ; XXXX cease reporting this information to the credit reporting agencies ; XXXX provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Denefits LLC (KY)

XXXXInformed company that I had obtained counsel for Bankruptcy filing provided name and number to attorney and requested them to stop contacting me. Collector stated he will continue calling and texting so that they will still keep trying to pull payment from my card and that they will report me to credit bureaus. I stated once again to stop contacting and they refused.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (FL)

I was charged 4 times for a product I did not order AND did not receive. This issue has been going on for 6 weeks. I have talked with their fraud department twice, customer service 12-15 times and sent very long detailed letters about the issue. I called the fraudulent company and they tried Let 's Make a Deal by  reducing the price several times. I said I do NOT want the product, did not order it. I have had product disputes in the past but this is the clearest case of fraud and the credit card keeps putting the charges back on my account. The credit card was even replaced so the fraudulent company could no longer charge me. The credit card company must stop this immediately!