davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (FL)

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, Equifax and XXXX. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with TransUnion, XXXX and XXXX. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment {$390.00} as on the sale contract too. but on my Transunion report the monthey payment is {$390.00}. Also the terms on the letter & on the contract are 60 months but on my Transunoin report 62 months. The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2022-11-30
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. (PA)

Equifax XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and XXXX XXXX associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and XXXX are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

I have a credit card with Synchrony Bank for shopping at XXXX XXXX. I was originally given a purchase amount of {$2500.00}. The bank 's first unjust move was to take away my credit limit On my XX/XX/year> Statement, Synchrony bank charged me a over-blown interest charge of {$710.00}, Thereby, putting the account in " overlimit amount " of {$470.00} negative balance! In addition, Synchrony bank has added {$700.00} to my account unfairly, and took away all available balance. The financial manipulation and unfair lending practices makes paying the bill like- so to speak- spining your wheels, and getting nowhere financially with your account!

The account was consistenly paid timely and often more than the agreed amount to pay. Nevertheless, I have been pushed into the over blown interest rate charges with unfair promotions that I was not aware of as a customer. This overlimit amount certainly butchers my credit report and potentlally close credit doors to me as applicant.

I contend that Synchrony Bank connived me into a predatory loan, and is currently taking advantage of me financially. The bank 's actions amount to unfair loan terms because the practice of such is unrealistic pay-off promotins, high interest charges, and financial manipulation.
T

herefore, I ask that this Bureau investigate complaint, and order Synchrony Bank to waive or dismiss the interest charges and adjust my account according to the fundamental fairness due to a customer. Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Lockhart, Morris & Montgomery Inc. (FL)

LOCKHART, MORRIS & MONTGOMERY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX is the collection agency for the original creditor XXXX XXXX. I went to XXXX XXXX in XXXX of XXXX and graduated in XX/XX/XXXX. I applied for the school loan which was explained that once you graduate and start working for XXXX, the company would take XXXX cents per mile to cover the cost of your loan. Upon graduating from XXXX XXXX, I tried to get coupled with a driver to start teams to go over the road, but every driver that was referred to me were either in a different state or already had a team member. XXXX only operated on team driving. I waited 2 months after graduating to be paired with a XXXX XXXX, but the school was unsuccessful at finding me a XXXX XXXX The school has since been closed down due to the murders of a few XXXX XXXX by the other team member, poor school training, poor pay and other complaints by several drivers. I do not feel I should be responsible for a loan that was misrepresented by the school in the first place. I was told misleading and outright false information from the start. The school is called XXXX and there are several complaints with the XXXX  and other online websites due to the fraudulent information given by the school, but it has since closed.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (WI)

I received a letter from the IRS saying there was a charged off debt in XXXX from PNC bank. I went to a PNC bank branch on XX/XX/XXXX and they could not go back to XXXX in their system to identify if I ever took out any loans/credit cards. The IRS needs documentation proving that I never had any of these loans and I could not get them from PNC to prove this charge off was a mistake.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (SC)

I reached out to cash app several times about a charge that was unauthorized. I asked cash app to provide information on who the payment went to and was told to wait 10 days for a response. Within 2 days I received emails stating my case was closed because I didn't respond or some other reason. It wasn't fully investigated. I asked fir a proof document and it was basically a print out if the transaction. Cash app seems to think this is okay and it's not. I was told someone in my household authorized the transaction ... I live with my dog so unless she did this I don't know who else is in my household. They are horrible. I just want my money back and the account closed.
Consumer complaint received 2022-10-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

regular standard information exchange of legal documents to verify legality and who authorized those illigal transactions due to been a custodian broker entity and should have not been acting against customer interest to make gains in fees and hide assets. 
cash app is doing money mule and everything else that's not with in the best interest of national security and the government agenda to create trust by setting rules in a system that is based on trading and to create new industry, jobs, ect.. 
this Cash app is more into foreign activities that are More black then grey. 100 % against our system interest. its reflected on financial statements. its clear how cash app is charging and intentionally creating losses to its customers and benefiting offshore illigal activities. Denial and that ( " cash app is not a bank is the only script and defense cash app has '' ) no other words. MEANING ITS TRUE CASH APP IS ENGAGING IN ILLIGAL ACTIVITIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I closed on my property in XX/XX/2022. The title company sent the check to PHH mortgage. Apparently the check was {$210.00} short. Instead of notifying the title company or anyone else for that matter, they have piled fees that continue accruing. Meanwhile, the new owners are in the home, etc. Im being charged for delinquent payments, home insurance, etc. The title company had to hire an attorney. I have no clue where this leaves me as the person on the mortgage. Not to mention my credit. They are evasive, dishonest, criminals. How are the new owners in the home since XXXX, and we both have insurance and mortgages on the same home??? They have their home owners. Im being charged home owners. Theyre paying on a VA mortgage for the house . Im being charged a mortgage on the house????????? Fraudulent. Blatant. Deceptive.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NC)

On XX/XX/XXXX I first called Hyundai to have them transfer my title over to my local DMV. They sent me an email with information to fill in and was promised at most it would take two weeks for the DMV to receive. Since then I have sent this same email three times and have called XXXX customer service over 10 times by now. I called them this morning ( XX/XX/XXXX ) and was told by an automation I could not be helped and was hung up on. On XX/XX/XXXX, I called twice, where I was told that it would take two weeks for my title request to come through again. At that point it had already been 8 days. I have escalated this with a manager more than once, I call and ask about the status and there is always something that isn't correct or hasn't moved. I have also paid double insurance because my first insurance will not cancel without the transfer of plates, which is the fault of XXXX. I also want to be reimbursed for the XXXX $ it cost me. I have now paid TWO months of double car insurance and would like it to be refunded for both months. I am coming up to my third month of this. I still have had zero progress or help. I was given the incorrect address which the title was sent to, and have still not been able to reach anyone to have my title resent to the correct address.
Consumer complaint received 2022-01-16
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: EQUIFAX, INC. (NJ)

Equifax credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for 4 yrs now. Thank you
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : # XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Convergent Outsourcing Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

In XXXX of XXXX, I purchased a new vehicle and it was brought to my attention I had a collection account. The date of service was for a period of 18-days I was in the hospital in XXXX. My hospital stay and ALL SERVICES were covered 100 % by insurance as indicated by the billing I received within 30 days of my discharge. I pursued trying to get this collection removed. Initially, several phone calls were placed, however, the line was either never answered or it was answered and immediately hung up. Next, several letters were sent certified mail with no confirmation of delivery ( AWA Collection refused to sign for them ). 

This activity lasted a year. In XX/XX/XXXX, I contacted the hospital, as advised by my attorney. Within 72 hours, the hospital was able to confirm the invoice sent to AWA Collection by the medical group that performed the consult was void. All invoices should have been forwarded to my insurance for payment in a timely manner, this invoice was not.

The original creditor provided an account statement that indicated I have zero financial responsibility for this debt. AWA continues to re-report this collection as unpaid on my credit report after providing the reporting agencies with the authorization to remove it, The credit agencies ( XXXX ) removed it from my report only for AWA Collection to change the account number and then placed the collection back on my credit report the day it was removed. Each time they place the collection back on my credit report, especially by changing the account number - IS FRAUD! 

XXXX was contacted. They have concluded the reoccurrence of the AWA Collection is inaccurate, however, they can not stop AWA from placing a new account on my credit report every 30-days after it is removed legally by XXXX. 

Supporting Documents have been uploaded to CFPB via this site.
Consumer complaint received 2022-01-16
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: National Credit Adjusters, LLC (OH)

On XX/XX/2021, NCA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, NCA has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2023-09-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OH)

I received a refund to my Cash App card on XXXX XXXX XXXX  from XXXX to Cash App for {$29.00}. Cash App cancelled the refunrn with no explanation. 

I have requested answers to the issue with no response from Cash App
Consumer complaint received 2021-09-24
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. (IL)

To whom it may concern : Please accept this letter as my follow-up to my telephone conversation on Friday XX/XX/2021, with a fraud dispute representative with Experian. This is my formal credit dispute letter along with a copy of my Police report that was requested. I was a victim of identity theft. Please be advised that the following accounts on my credit report have been disputed before, but today I am including a Police report to have these accounts removed from my Experian credit report : XXXX XXXX XXXX. 
XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX I would appreciate if you would investigate this matter and remove them from my credit report. I have disputed these items tirelessly for the last couple years and I am my wits end. XXXX XXXX and XXXX have removed these items already. 

I look forward to a quick resolution to this matter and a written response to this letter. Thank You in advance.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I had ongoing issues with payment portal on PayPals card and also had issues with calling. The payment portal would not load and kept giving me errors and when I would call it would say it was invalid. I though I had set up automatic payments so I could just not deal with spending hours trying to load in or call to make a payment each month but it didnt seem to have worked. I was then sent to collections with no warning and my card and account was removed from the app.
Consumer complaint received 2023-07-05
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2021-09-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove all these fraudulent inquiries from my credit report. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (SC)

As a protected consumer in the U.S. I have protected rights under the FCRA. 
This company has violated my Consumer rights by : 1. violating my right to privacy 2. This debt buyer did not have permissible purpose to obtain a consumer report.
3. As a protected Consumer I am entitled to know how your credit information is reported, handled and used by a credit bureau. The Credit bureaus did not let me you know how my credit information was being used so they have violated the FCRA by reporting this information. 
4. The credit bureaus were notified of my dispute of this past due collection account but, has failed to correct the information within 30-days.