davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
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. (TX)

I have disputed this entry on my account with Experian bureaus as well as with XXXX XXXX. XXXX XXXX placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent XXXX XXXX ( see attached letter ). XXXX XXXX did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was Experian able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, XXXX is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.
Consumer complaint received 2018-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc. (TX)

I currently am trying to find a new job after losing my first one. Since then I have not been able to pay my loan and I have explained this. I am being harassed constantly by gold star finance. XXXX XXXX comes to my house embarrassing me in front of my family and friends telling me I need to come in and see her. I also have been receiving several phone calls and left several voicemails everyday from gold star. I'm just sick of it. They threatened to come take my belongings as collateral and damage my property to do so. It's very depressing. When I get the cash I can come pay them. Other than that I really wish they would stop harassing me. It makes me want to just end it. I can barely pay my Car note. This Is a small town with XXXX employers and they won't hire me anywhere. Ive been trying to move so I can pay my bills but I have no gas money to keep driving. The XXXX all starts with losing my job then being harassed by loan companies. I hate my life because of this.
Consumer complaint received 2023-03-17
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. (AZ)

This letter is an attachment on the letter send on XX/XX/2023. 
As I notice that even tought I send the identity theft report I did not properly write the account number and accounts that arose from identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are a result of IDENTITY THEFT. I want them removed immediately. In addition please make sure any creditor contacts me ( XXXX ) XXXX first prior to opening any accounts. 
Thank you!
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (GA)

I checked my report for accuracy and saw an account for ONLINE INFORMATION SERVICE from the Original creditor : XXXX XXXX XXXX XXXX in the amount of {$180.00}. 

I was in an XXXX XXXX for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the ongoing XXXX At the time of this collection, I as in the hospital XXXX XXXX a XXXX XXXX, XXXX XXXX XXXX and a XXXX 

I finally came forward about the XXXX  this year and the judge put him in jail, and expedited the divorce. 

I am now on my own and in the process of trying to get custody of my kids. The judge states I am good standing to get my kids as long as I XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I just started a new job, and now i am trying to get approved for my home. 

I am requesting deletion of this debt when paid in full.
Consumer complaint received 2018-08-24
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)

As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).  This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Chase claims that my agreement was canceled, however notified me of such. Instead continued to cash my monthly payments for almost a year having me believe that the agreement was continued and going forward. If the plan was canceled then why werent the check payments, I authorized for only use with the plan, was still being cashed.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/18 - I received a 'replacement ' store credit card from JCPenney . But it was not a replacement card - it was a MasterCard. When I called to ask why I was sent this, they said that I did not respond to an earlier solicitation of the card. 

So since I didn't respond they assumed that I wanted the card? 

All they concluded was that they would make a note that I didn't want the card and that I am to shred it.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc. (MO)

OnXX/XX/XXXX, I got an alert stating that XXXX has a potentially negative unpaid balance from Synerprise Consulting Service for {$630.00}. Ive never heard of or received any type of communication from Synerprise Consulting Serv. Incidentally, XXXX wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recentXX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at XXXX. Every time I try to get a credit report, XXXX   doesnt know WHO I am.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XX/XX/XXXX, I made a domestic wire transfer through HSBC for USDXXXX and the funds have not yet reached their destination, were supposed to arrive on XX/XX/XXXX. 
I call to HSBC US on XX/XX/XXXX ( investigation # XXXX ) and after 2 weeks they informed me that the destination bank was requesting clarification about a reference on the transaction, but due to an internal restructuring of the bank, no accounting officer sent the necessary information. 
Also, I have a claim # XXXX It is assumed that they have already sent the information but the destination bank ( XXXX XXXX ) has not yet received the funds. 
Considering that the payee is my father, attached is his account Statement ( XXXX XXXX ) demonstrating that the amount was not received and also the transaction receipt ( HSBC XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

In XX/XX/2018 My leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of GM Financial who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that GM Financial was reporting me 60+ days past due on the lease. I immediately contacted GM Financial and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. GM Financial should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. GM does not seem to be in any rush to follow through on their promises or obligations to their customers.
Consumer complaint received 2023-03-20
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: OneMain Finance Corporation (NC)

In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

Code 1681 ( 2 ) a, i.has been violated.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (KS)

On XX/XX/XXXX I wrote a check to XXXX XXXX in XXXX, Kansas. The clerk informed me that my check had been declined. I subsequently paid with my debit card. I immediately went to my local bank to verify sufficient funds were in my account. The bank manager called XXXX XXXX and got the number for XXXX XXXX XXXX, the company responsible for declining my check. The manager placed a phone call to Certegy to explain that I had more than sufficient funds to cover the check I had written to XXXX XXXX. Certegys employee ultimately hung up on the bank manager during their conversation. I did not know anything about Certegy at that time so I did not take further action. 

Fast forward to XX/XX/XXXX. I wrote a check to XXXX department store in XXXX, Kansas and was informed that my check had been declined by XXXX XXXX XXXX. I immediately phoned Certegys automated system but it offered absolutely no reason for declining my check. 

Since XX/XX/XXXX I have written several letters to Certegy trying to resolve this issue. By certified mail I have sent Certegy a copy of each declined check as well as a photocopy of my drivers license, my social security number and copies of my bank statements showing an account balance much more than sufficient on the day each of the declined checks were written. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX advising me that there were no returned checks on their file but my checks fell outside their approval guidelines. 

My complaint is this : XXXX XXXX XXXX is literally holding me hostage. I understand that their company represents many, many retail establishments throughout the US. Certegys computer algorithms are set to decline checks according to their predetermined criteria but Certegy will not reveal to me what I am doing that is causing them to decline my checks. So, now I can not write a check to any company they represent for fear that it will be declined by their company and I will face additional extreme embarrassment each time that happens. I only write about 3 or 4 checks each month. One to my credit card account, one to XXXX XXXX, one to my hairdresser and lately to my dentist. I realize that check writing is not used much these days but there are occasions when it is more convenient for me to write a check as opposed to using my debit or credit card. With Certegy declining any check I write I am helplessly under their control. Their letter gave a phone number to talk to one of their representatives but it was fully automated and could not handle a complaint over 2 weeks old. Again, I am their hostage. How can they do this to people?

I understand that Certegy has a program called VIP where you can enroll, pay a fee and perhaps avoid declined checks. For many years the Mafia had a similar protection program in XXXX and XXXX XXXX : Pay a fee and you are protected. Such a deal.
Consumer complaint received 2018-08-24
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. (NY)

Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (DE)

On XX/XX/XXXX I have made a complaint to the Executive office of Chase Bank phone number XXXX. They in turn sent me documentation to fill out for a loan modification. I received the paper work on XX/XX/XXXX and I have filled out the necessary information and have faxed the documents to Chase Bank but in the meantime I received a letter on my front door on XX/XX/XXXX that the house is going for Sherriff Sale on the XX/XX/XXXX. I am in the process of a modification so how could they put my house up for Sherriff Sale. Chase Bank needs to Stop the Sherriff Sale as I was not even entitled to attend the mediation as Chase advised that the house was vacant since XXXX. I have lived in this house since XXXX. Chase is a very hard bank to work with. They assigned me a Relationship Manager by the name of XXXX XXXX who can be reached a XXXX, who number one I can not understand and is not very helpful at all. I requested another relationship manager and I was denied. I'm not understanding as to why I received paperwork for a modification and a Sherriff Sale Date. I want to do is keep my home. Circumstances have changed and I will be able to afford the house. I want Chase Bank to Stop the Sherriff sale dated XXXX immediately Court Case # XXXX XXXX Sherriff # XXXX
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Friday XX/XX/22, I attempted to transfer {$10000.00} from my XXXX XXXX  ( Texas ), Checking XXXX to my Citizens, XXXX Deposit Checking XXXX after lengthy verification process confirming that that I am an owner on both accounts. Over the weekend, I was notified that my bank transfer is stopped due to security concerns. I was told to call Citizens Bank phone number at XXXX for additional assistance. The average wait time to reach a representative at Citizens Bank phone number XXXX is over 90 minutes. Giving the amount involved, I called Citizen bank on Saturday XX/XX/22, Tuesday XX/XX/22, Wednesday XX/XX/22 and Thursday XX/XX/22 each time spending over XXXX minutes waiting for a representative to correct the error made by a representative a day before. Each time I was told that the bank transfer is cleared, blocks are removed and my account at the corresponding financial institution is debited. I have received a series of conflicting Citizens Bank Messages ( attached ) prompting me to call the bank again and again in attempt to resolve the issues with my bank transfer. It appears, in meanwhile, my money were shuffling back and forth between my account at Citizens Bank and my account XXXX XXXX  ( Texas ). Finally, on Saturday, XX/XX/22, I was explained by a Citizens Bank XXXX, XXXX XXXX, that Citizens Bank is using a third party, XXXX, which is unable to complete the transfer because Deposit Checking XXXX is joint account with my husband. I dont understand why I was not explained it before on on Saturday XX/XX/22 when my transfer was approved by another Citizens Bank supervisor who unblocked the transfer then. It is not acceptable to have a 90 +minute wait time on the phone and having repeated 90+ wait three days in a row is amounted to a torture by Citizens Bank Call Center , when one hand at Citizens Bank doesn't know what the other Citizens Bank hand is doing. Citizens Bank is saving money understaffing its phone support but it should not have done so at the expense of own customers.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (VA)

At Lowe 's, associates encourage customers to sign up for the " store card. '' They do not clearly tell customers that this is a " credit card. '' Instead, they make it appear as if this is just another drug/grocery store club type card. This is not fair to customers who are not financially well educated and to the elderly. Store associates also emphasize how the card will save customers 5 % on purchases, while FAIL to mention that this card bears a 26.9 % APR ( in my case ) on those purchases! If I knew that I would get charged 26.9 %, I would never have taken the 5 % off deal. In this manner, Lowe 's is tricking customers into signing up for their credit card. Upfront, they need to be clear about the APR that they charge, not when they send the bill. Customers discover that they are being charged a high interest rate, a month AFTER they make all the purchases and through literature accompanying their bill. By then, it is too late not to sign up for the card, and customer has already been hit with a high interest rate. This is simply not fair to millions of hard-working Americans. Someone needs to stop this predatory and DISHONEST lending practice by Lowe 's.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX  has been non-compliant with removing the unverified account BANK OF AMERICA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NV)

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and TXXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX has been non-compliant with removing the unverified account XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.