davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am on XXXX and receive benefits through a prepaid visa card managed by Bank of America. I attempted to use my card and was unable to do so. I called the bank and was informed that there appeared to be fraudulent activity and that my account it had been frozen. Myself and the agent canceled my card, ordered and ordered a new one. I went to withdraw money once I received my new card, however I was unable to do so. I called the bank again and was informed my account was empty, after reviewing the transactions with the agent, I filed a claim with the bank, claim number XXXX, the claim has been denied twice. When attempting to obtain information on why, I am not given any information on what needs to be submitted to process the claim. The bank appears to be purposefully uninformative, I have asked many pointed questions and have been told that information would be mailed to me. The information I have received is a printout of my bank statement stating this is what they used to make their determination, with no explanation. I filed a police report a fraud report sent an affidavit stating that I did not make the transactions, and I am still being denied with no explanation except a printout of the transaction ..... This has caused so much stress to my family and the bank is not attempting to assist in any way and this is the bank XXXX requires me to be paid through, and they have allowed someone to take XXXX XXXX with no consequences to be experienced except by the victim.
Consumer complaint received 2020-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CO)

XX/XX/2020 Took my dog to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX. Dog had a XXXX XXXX in his XXXX that required an XXXX and XXXX to remove and repair. This took several days in hospital to complete. CareCredit approved me for {$5000.00} and the total bill was {$7400.00}. The remaining {$2400.00} was charged to my friends CareCredit account. I got my first statement from Carecredit/Synchrony bank. The statement closed on XX/XX/2020 and the first payment is due XX/XX/2020. I called Synchrony bank on XX/XX/2020 to arrange for at least 30 or 45 days until the first payment. I was told per a supervisor that they would not help me nor could they change the payment date. I advised them, that the first payment should be at least 30 days and I was told it was due 23 days. Since this application was completed on their app, online I was not aware the first payment would be due 23 days. Since I did not get to bring my dog home until XX/XX/2020 I was assuming the payment would follow 30 days from the discharge date in the hospital. Synchrony bank used scripted statements and refused to help or offer alternative solutions. I was informed that I will be charged a late fee as well. Since my friend helped me pay for the remaining amount on her CareCredit card, why is her first payment due XX/XX/2020? The seems to be unfair, undisclosed, and unwilling to help. I am able to make the payment, however was not prepared for the due date. Please help me get this corrected and prevent this type of billing charge practice in the future. Proper disclosure and a willingness to help allows for and educated decision. It is my understanding that since this is a fixed rate loan, why wouldn't I be given the choice of the first payment date/option? I was provided the option to choose my repayment term and apr, why not the first payment date??
Consumer complaint received 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (GA)

On or about XX/XX/XXXX. I refinanced my auto loan from Wells Fargo to XXXX XXXX. 

Wells Fargo was supposed to send title to XXXX XXXX in XXXX. I received a call from XXXX XXXX in XXXX saying they did not have the title and could not finance unless the title was received. 

All money went to Wells Fargo. 

XXXX XXXX then said they would contact Wells Fargo to get the title. 

Fast forward to XX/XX/XXXX. The loan was paid off at XXXX XXXX and in turn a home improvement loan was done where the vehicle was used to secure that loan. 

At the time I agreed to the loan, I was told they would send me the title and I would then send it back to them, so they could be the lie holder. Why didnt the representative state at that time that XXXX XXXX did not have the title. 

Today ( Saturday XX/XX/XXXX at about XXXX am ) I spoke with XXXX and a person named XXXX who said he was a supervisor. 

At the time of the new home improvement loan, I was told I had 90 days to get the paperwork they were sending out to me back to them. 

Its been months and since I never received the paperwork I called today and spoke to XXXX. Aweful Customerservice.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested.

I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed XXXX  that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian , XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character XXXX   provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / XXXX  includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. 

The company Dept of Edu/ XXXX  has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX , Experian and XXXX  } should be sent to me immediately. 

I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Consumer complaint received 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION (GA)

On or about XX/XX/XXXX. I refinanced my auto loan from XXXX XXXX to Navy Federal. 

XXXX XXXX was supposed to send title to Navy Federal in XXXX. I received a call from Navy Federal in XXXX saying they did not have the title and could not finance unless the title was received. 

All money went to XXXX XXXX. 

Navy Federal then said they would contact XXXX XXXX to get the title. 

Fast forward to XX/XX/XXXX. The loan was paid off at Navy Federal and in turn a home improvement loan was done where the vehicle was used to secure that loan. 

At the time I agreed to the loan, I was told they would send me the title and I would then send it back to them, so they could be the lie holder. Why didnt the representative state at that time that Navy Federal did not have the title. 

Today ( Saturday XX/XX/XXXX at about XXXXXXXX XXXX ) I spoke with XXXX and a person named XXXX who said he was a supervisor. 

XXXX was rude XXXX and basically said Navy federal never had the title. 

How is this legal? How can you loan money on a vehicle without becoming the lienholder? 

XXXX then said Navy Federal has no responsibility to get the title back in XXXX nor today. Told the customer to figure it out basically. 

At the time of the new home improvement loan, I was told I had 90 days to get the paperwork they were sending out to me back to them. 

Its been months and since I never received the paperwork I called today and spoke to XXXX. Aweful Customerservice.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is my name my social is XXXX The negitive account with XXXX XXXX supposed to be block from showing on my credit report i summited police report to Experian fraud dept .but the 3 accounts ate still showing on my credit report. Please have Experian block these three negitive accounts from showing thank you
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

We have used XXXX XXXX XXXX XXXX in the past until we had a dispute about services. We paid for the service anyway and discontinued their services. We have a new Lawn service that serviced us starting XX/XX/17 and no longer deal with XXXX XXXX. Now I am receiving letters from a collection agency saying I owe XXXX XXXX {$210.00}. I tried to contact the company and they asked me to provide them with the account number from the letter so they could pull up the account before they could discus it with me. The people I contacted was Transworld System Inc Collection Agency at XXXX. They informed me that the account number I gave was not long enough and asked if there were another code number listed that I could give which could not be located by myself anywhere on the letter. The lady at Transworld System Inc could not further assist me because we were not able to pull anything up with my name or the numbers provided. I have since received 2 more letters from this company.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion keeps putting information on my credit report, I have not been able to qualify for a mortgage because of this and even been unable to find employment. I would like all negative items, judgments, liens to be looked over and removed. I am currently living with other people and the address shown on the record are not my residents. They are just for mailing purposes.
Consumer complaint received 2018-08-27
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: HCFS Healthcare Financial Services of TeamHealth (OH)

I have 2 invalid accounts from XXXX XXXX XXXX on my XXXX credit report. One is for {$200.00} and one is for {$50.00}. I have done proper disputes on these accounts with XXXX beginning XX/XX/2018. I also filed a request for debt validation from XXXX XXXX XXXX on XX/XX/2018. XXXX has not verified these accounts or identified the original healthcare provider, and continue to verify these false unknown medical accounts to XXXX, the only credit reporting agency reporting this information. 
Verifying information to credit reporting agencies without proper validation is a violation of consumer laws.
Consumer complaint received 2022-02-02
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX I Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (FL)

We withhold rent because of landlord 's obligation to maintain premises in violation of statute 83.51 of the state of florida and now landlord have a retaliatory conduct S83.64. The images of how the apartment was can be found in the response of XXXX XXXX VS ( names removed ), case number ( number removed ) mailed by the clerk of the court on XX/XX/2018. 

We request a motion for the judge to determine in court how much was going to be paid and cancellation of the contract for health issues related to pests and other aspects that can be read with details and see images in the lawsuit. Cancellation of the contract was requested to be made on XX/XX/2018 in addition to the return of {$2800.00}, in that money that was requested to be refund are payments that Hunter Warfield is trying to charge me in the {$3600.00} that is affecting my credit in XXXX and XXXX. In XXXX   they removed the negative mark after a complaint but I called Hunter Warfield and they refused to remove them from the rest.

The contract is canceled, the judge orders to leave the apartment the day we asked for and never pronounced in favor of the payment of the money that Hunter warfield is trying to collect.
Consumer complaint received 2021-12-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Fraudulent transactions with XXXX ( cable and internet company ) XXXX amounting to over {$30000.00} still ongoing. More fraudulent transactions are piling up even after reporting the fraud to Bank of America.
Consumer complaint received 2019-05-02
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: Credit Protection Association, L.P. (TX)

Credit Protection Association, L.P. refused to remove negative reporting from credit reports. Did not produce enough evidence of proof of debt. No proof of debt shown. Creditor remarks incomplete or incorrect. No evidence of original requests to open account or pay for Service. Fraduanlt account, investigation process status showing completed, and statement posted says compliance with FCC regulations. Yet did no show proof of debt.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I reported this XXXX  XXXX bill and a collection company called LVNV funding for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB LVNV funding sold this account to this new company called XXXX XXXX XXXX , XXXX. LVNV funding was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC case # XXXX.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, my account was hatch in which all my funds were taken out my account. I Contacted Chase Bank in which I was issued a new card and was told i was victim of bank fraud. I put Claim out for the Funds. 
When my card came in the mail I never activator it. On XXXX XXXX All my funds were gone again. {$290.00} were gone. I fled another claim in which Chase put the money back in my account. I was reach by the Chase fraud team. In which they advise to to go in person to back to close out my account and open another one. They also advise me to go over my account with them. They discover I had five XXXX XXXX attached to my account I dont have anything XXXX  never had They took off. 
But Chase took the Money back and will pay my money back. I never made these purchase. I never use XXXX. But Chase will not believe me.
Consumer complaint received 2022-07-25
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Home Mortgage request from XXXX that an insurance check in the amount of {$49000.00} be reissued and sent to them. WFHM forged my signature and deposited the check even after I object. Pursuant to Georgia Code OCGA 11-3-116 ( b ) .An instrument payable to the order of two or more persons :... [ i ] f not in the alternative is payable to all of them and may be negotiated, discharged, or enforced only by all of them. '' ( Emphasis supplied. ) OCGA 11-3-116 ( b ). " An instrument is converted when :... ( b XXXX Any person to whom it is delivered for payment refuses on demand either to pay or to return it ; or... ( c ) It is paid on a forged endorsement. ''
Consumer complaint received 2022-07-25
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-25
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)

I appreciate your time to remove some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXX XXXX XXXX