davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

We purchased a murphy bed in XX/XX/2023 and asked the merchant if it can be delivered different state XX/XX/2023 because we out of state til then, He said yes we paid in full {$3200.00}. End of XXXX we got home starting to text merchant that we were home can deliver murphy bed. He said should get it soon. Never recieved it sent messages all summer. He had excuses but never got it. 
I contacted XXXX in XXXX started dispute, closed case no documents why. called back reopened case 2 other times, He said item on the way. 
XXXX say cant help us go to merchant. Now we are back near merchant went to see him, now he says item lost in freight. And he cant refund us because XXXX took funds from him. We went to XXXX XXXX XXXX, this merchant has done this to about dozen other customers. Rating is XXXX He has no proof at all here our murphy bed went or even mailed out. 
Called back XXXX talked to supervisor and cant refund us or do anything for us. She said his last form said he was waiting for us to let him know when to deliver. but not true.
Consumer complaint received 2022-01-28
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-28
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IL)

Due to the change in the tax laws, we prepaid the first installment of our property tax bill in XX/XX/XXXX that was due in XX/XX/XXXX. We instructed our servicer, Arvest Central Mortgage Company, not to pay the first installment of the property tax bill. They followed our requests. Because we paid the property tax bill with our own funds rather than through out escrow, Arvest performed an escrow analysis and refunded amounts that were not needed. Our escrow balance was about {$5000.00}, but they refunded us about {$6500.00}, which brought our escrow into a deficit position. We brought this to their attention and told them that it made no sense and that there would not be enough money in the escrow once our second property tax bill became due in XX/XX/XXXX. Arvest told us that they were looking at a " different view of our escrow balance '' that showed the balance at about {$8100.00}, which is why they refunded us the {$6500.00}. I can not see our escrow balance as ever being {$8100.00}, so it is concerning that Arvest is seeing a different balance internally than what they are showing the borrower. It is now XX/XX/XXXX and our property tax bill in the amount of about {$4000.00} is due XX/XX/XXXX and Arvest can not explain to me how our escrow analysis works - it makes absolutely no sense and is very concerning since they are handling the direction of our payments.
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been working in a XXXX XXXX for the last 9 years. My loan was sold from XXXX XXXX to Navient in XX/XX/XXXX. I was under the impression from Navient, starting in XX/XX/XXXX that I was making payments under the IBR ( Income Based Repayment ) plan, and these payments would go towards the Loan Forgiveness program for being employees through a XXXX XXXX  that is in a high risk community. They assured me and provided a spread sheet showing IBR payments and tallying how many towards the 120 payments that were required. Then,XX/XX/XXXX, I filled out the government form to track how many payments were left, since I made about 96 payments, so I could have my loan forgiven and I was told that there was no record of my payments, and I was supposed to consolidate with XXXX XXXX even though Navient miss lead me stating that it was consolidated. I consolidated with XXXX, and now Navient is stating that they have no record of any payments made to them, and that I never had an IBR set up. Every year, I filled out the reapplication, sent tax information, etc. to Navient, thinking I was doing what I was supposed to do.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have not liable for the debt with CAPITAL ONE BANK USA and XXXX XXXX - XXXX I do not have a contract with XXXX XXXX XXXX XXXX  or CAPITAL ONE BANK USA and i was not provided with the original contract as requested
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I have unauthorized inquires on my Experian consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. I have also reached out to the credit bureau on multiple occasions by mail and phone to have these fraudulent inquires removed from my credit report. The unauthorized inquires are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-25
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. (TX)

I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX/XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month.

XXXX XXXX  ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I placed a security freeze on my account with Equifax, but was never given a pin to unfreeze. I have sent XXXX letters to equifax requesting a replacement pin. I have included a copy of my Driver 's License, SSN #, Date of Birth, Current address and contact information as they requested. In addition I have enclosed the {$5.00} fee for replacement pin. All three times I have received a letter back saying they do not have the correct information to replace my pin. This is holding up a real estate transaction and I am incredibly frustrated. How do I get to speak to a person and get this corrected?
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my second time asking these XXXX XXXX XXXX to remove these collections : 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 XXXX that have been falsely reported on my credit reports. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Equifax or XXXX ) this action may 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 your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/22 - Venmo request to upload ID, along with Bank Statement. 
XX/XX/22 - Email from Venmo ( Below ) XXXX XXXX, Thank you for contacting us. 

Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the CARD ending in XXXX. 

You can find our Document Upload Form here : https : //help.venmo.com/hc/en-us/requests/new? XXXX & XXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name.

If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. 

For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. 

We appreciate your cooperation and look forward to hearing back from you. 

Regards, Account XXXX XX/XX/22 - Uploaded ID, along with Bank Statement. 

XX/XX/22 - Venmo account frozen, permanently deactivated, {$2000.00} in funds frozen for 180 days. 

XX/XX/22 - Emails sent demanding funds immediately released to bank account. 

Hi XXXX, Thank you for sending us your ID! My name is XXXX, I'm an Account Specialist here at Venmo and your case has been escalated to me. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 
Best, XXXX XXXX XXXX Venmo
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act XXXX  account name XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.
Consumer complaint received 2022-04-12
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. (MI)

In accordance with the fair credit reporting act XXXX  account name XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (OR)

I had a XXXX # XXXX issued by XXXX XXXX XXXX It was paid. I want the debt collector Firstsource Advantage , LLC, ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) to acknowledge this on my credit reports. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-05-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Today is XX/XX/2021. I mailed out letters to Equifax, XXXX  and XXXX  on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, Equifax, XXXX, or XXXX  also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America charged associated checking account # XXXX a {$35.00} overdraft fee on XXXX difference in balance due to their manipulation of when items are debited. Bank of America reverses dates and applys debits to the account in a way that would compromise the available funds in the account necessary to cover debited items. 

Enough funds were in my account at the time of my last debit, which was for XXXX. XXXXXXXX XXXX on XX/XX/XXXX. At the time, my card was not declined meaning there was enough money at the time of purchase to cover the debit. 

Somehow I am now charged {$35.00} on {$.00} overdraft somehow. It does not make sense. 

For example, the debit to XXXX XXXX was taken out of my account on XX/XX/XXXX because that is when my car payment was due. Somehow it is now scheduled as a XX/XX/XXXX debit, however, that is not when the money left my account. 

The {$40.00} credited on XX/XX/XXXX was actually credited on XX/XX/XXXX, as I was in XXXX XXXX on XX/XX/XXXX. Since XX/XX/XXXX was a Monday, and I work in XXXX and live in XXXX, I have no reason to be in XXXX XXXX on a week day. 

Bank of America is using tactics to cheat clients, and think all clients must be dumbasses.
Consumer complaint received 2022-01-28
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. (NJ)

I the consumer NEVER gave transuinion writing consent to report theses accounts listed! every day a new violating is added and I will be sending over my invoice and filing a case in small claims court in regards to this matter! my attorney is on standby if we can not rectify this IMMEDITALY!
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NV)

My Discover card carried a credit limit of XXXX. I made a purchase and never received the items. I disputed the transaction and received a temporary credit. On XXXX the vendor resubmitted the charge to my account for XXXX. I never missed a payment, and payed XXXX on my account on XXXX. On XX/XX/2022 my account spending limit was reduced to XXXX.
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (WI)

I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

The escrow account made a tax payment on XX/XX/XXXX for {$4500.00}. I became aware early XXXX that the county never received the payment, and my tax was late. I paid the tax out of my pocket immediately on XX/XX/XXXX. I asked the lender for investigation, but 2 weeks passed, and lender still doesn't know where the money went. There's no XXXX either on how long I should wait to get my money back. 

The mortgage company is Newrez.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I disputed an account and inquiry made fraudulently on my XXXX account. This is the third time I have disputed this item with XXXX. 
I spoke with Somebody from XXXX and they stated that they did not receive documents that I sent multiple times. 

Fraudulent Account, Name, Addresses & Inquiries include FRAUDULENT ACCOUNT XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - FRAUDULENT NAME XXXX XXXX On XX/XX/XXXX I disputed an inquiry, incorrect names, and address made fraudulently on my Equifax account. 
This is the third time I have disputed these items. 

Fraudulent Inquiry, Names & Addresses include XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Incorrect Name : XXXX XXXX