davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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 (LA)

I charged a purchase in the amount of {$750.00} to PayPal Credit ( Synchrony Bank ) card on XX/XX/XXXX. ( Statement attached. ) In XXXX, I erroneously filed a fraud complaint with Synchrony Bank, having forgotten that I made the purchase the previous month. ( Statement attached, but dispute is not documented on it. ) On XX/XX/XXXX, I realized my mistake and contacted Synchrony Bank to reverse the fraud charge. They told me that the dispute would be resolved and payment would be submitted to the vendor within 2 billing cycles. 

On XX/XX/XXXX, the vendor inquired with PayPal about the charge and received a letter in response indicating that there had been a dispute on the original charge. No new payment had been received by the vendor. 

I contacted Synchrony Bank and was told that the charge had been returned to the vendor on XX/XX/XXXX ( statement attached ) and that if there was still a dispute, I should show the vendor my statement as proof. My PayPal account still showed a pending dispute, so I called PayPal to verify. PayPal told me that only Synchrony could close the pending dispute.

Over the next few weeks, I made many calls to PayPal and Synchrony Bank about the payment not being received by the vendor. PayPal agreed that the charge was pending release of the payment from Synchrony and Synchrony Bank told me that th
e issue was resolved on their end and that only PayPal could release the payment to the vendor.

No matter how many times I called or who I spoke to, I was unable to have the issue resolved. 

The XXXX statement from Synchrony Bank ( PayPal Credit- attached ) shows and adjustment and balance transfer but doesn't indicate to whom the balance was transferred. This is insufficient proof that payment to the vendor was made.

As of today, the vendor has still not been paid. My PayPal account indicates that the dispute is still under review. Several weeks ago, by phone, I requested from a manager at Synchrony ( PayPal Credit ) that the transaction amount of {$750.00} be returned to me. He refused to credit me for the purchase, even though the transaction was not successfully completed. I requested information about filing a formal written request for a refund and he said that I could send a letter to Synchrony Bank 's general delivery address but that there is no formal mechanism for such a request.

Please see the attached screenshot and letter from PayPal indicating that the dispute is still under review even though more than two billing cycles ( the maximum time PayPal claims it may take to resolve a dispute ) has passed.
Consumer complaint received 2018-11-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (CA)

Today XX/XX/2018 I received a letter from XXXX XXXX XXXX demanding that I pay a fraudulent " balance due '' of {$310.00}. The letter references an acct No. XXXX and is addressed to me at my home address. I have never gotten any loan nor had any contact or dealings with XXXX XXXX XXXX or any other outfit for a loan of any kind. This is fraud. 
When I called the Customer Assistance dept and spoke to XXXX, the first thing he demanded of me was my SSA # and my Date of Birth : the very things a thief would use to make a fraudulent claim! He said that he " could not find me in the system '' under my name and the Account number above. He admitted that his company had generated the letter, but said he could not help me at all unless I gave him a bunch of personal financial information as noted. Then he transferred me to his Supervisor, XXXX XXXX, who repeated exactly the same thing.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AR Resources, Inc. (FL)

AR RESOURCES INC Account number XXXX Recent balance {$5500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5500.00} past due as of XXXX XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... AR RECOURCES NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by XXXX XXXX  XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

XXXX XXXX has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (TX)

XXXX ID : XXXX My complaint was closed based on lies provided by ICG Lender with their response. Below are the details, please reopen my case and investigate. 

ICG clearly LIED in their response and I have proof. Their detailed explanation on XXXX XXXX XXXX ( loan no XXXX ) appraisal is a big lie. I submitted the filled with credit card details and signed appraisal authorization form to ICG for XXXX XXXX XXXX on XXXX XXXX. They are lying that I never gave them that and I have the email conversation proof with attachment. I was never approached about payments and failed payments as they're mentioning regarding XXXX XXXX XXXX appraisal despite of numerous follow ups from my end that I already submitted. The only contact they did about the appraisal according to their response was on XXXX XXXX which is about a month after my submission and numerous follow ups. Why wait a month for something so basic? Isn't it negligence to wait for a month to respond despite numerous follow ups from customer with mortgage closing? XX/XX/XXXX is the first contact where they said they can't meet the deadline, they never gave the reason WHY and they didn't say WHY in their response except the lies about appraisal payment which I have proof for. I told them about my appraisal form submission that I did on XXXX XXXX multiple times via emails ( I have emails ) and no action taken. Now they are lying that they never got it. It is nothing but ICG 's negligence that costed me loss of Earnest money and the deal. Pls do not close this complaint based on their lies as I have proof of appraisal authorization submission with me. Attached is the email thread where I submitted the appraisal authorization form to XXXX at ICG on XXXX XXXX. XXXX confirmed numerous times over the phone and email that he received it and was submitted to the concerned parties internally.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up that's the first issue and now the second issue when there is a complaint in one of my buyer how could I respond and proceed for a refund if my account is currently 180 days on hold they quickly change the reason why it is 180 days limited because of the buyer issue at first there is no reason why it is closed or limited until I receive an issue on my buyer how could I respond to that issue if I have no chance to do since when the buyer filed a issue when my account is currently limited for 180 days I have no chance to defend myself as a seller and I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-03-23
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. (TX)

according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I utilized XXXX for the first time and was involved in a scam. I purchased playoff tickets via XXXX and the scammer wanted me to use XXXX. After researching a little and knowing my Bank, B of A utilized I was comfortable with the transaction. Once I realized it was a scam the same day, I called B of A. They said they would contact XXXX XXXX but my funds of {$360.00} were not returned. They said I now need a subpoena and I am working with local law enforcement now.
Consumer complaint received 2018-11-16
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: Experian Information Solutions Inc. (FL)

About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX   The most recent letters that went out with no response was on XX/XX/2018. For Experian the tracking # is XXXX XXXX tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX XXXX  tracking XXXX XXXX and Experian tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.
Consumer complaint received 2022-07-26
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX  XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX MI XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXXBalance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$10000.00} ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF EDXX/XX/XXXX 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$5600.00}
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander bank is reporting four hard inquiries on my XXXX  credit report. I did not apply for credit with Santander. I have called them to dispute this but they have not responded.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The date of the inquiry is shown in my reports is XX/XX/2023 @ XXXX EST. The company said that they do not have any of my information on file & would fix the discrepancy within 30 days. It has been well over of 60 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2023, XX/XX/2023, XX/XX/2023 - Person/Agent of initial Contact is XXXX at the Nevada Office XXXX XXXX XXXX -There has not been anyone that is able to find an account or application with my information yet the XXXX XXXXXXXX continues to have a negative impact on my TransUnion Credit Report. I have called XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.
Consumer complaint received 2022-07-26
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. (AZ)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (PA)

BRIDGECREST ACCEPTANCE CORPORATION MAILING LOCATION XXXX, AZ Due to COVID-19 in XX/XX/XXXX i stop payment on the truck they finance and i have send them a debt validation letter and they ignore my letter and in XX/XX/XXXX they came and repro my truck and they did not notify me that they was going to repro my property, the repro company ( XXXX XXXX ) stole money that i had in the truck and they came on my property illegally and stole ( REPRO ) my truck. I have ask BRIDGECREST numerous times to present me with the original promissory note so i can settle the debt and they have not present me with such promissory note.The law in Pennsylvania state that in order for a finance company to repro your vehicle they must notify the debtor of such repossession through register mail and they CAN NOT breach the peace, well the repro guys came on my property with guns drawn and i was in my truck when they drove and block me from moving my vehicle and the police was call, the police want me to hand over my property to these guys that i did not know where they was from and i tell them i am not abandoning my property and they arrest me for protecting my property. 
i have no idea where my truck is locate and i paid the constable to recoup my belongings and i had to pay the recovery pro for storage and they stole my money that was in the truck.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX, Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I forwarded a letter to the Equifax Credit Bureau dated XX/XX/2022 to DELETE this erroneous information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST (NV)

Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The XXXX XXXX XXXX since receiving this letter.
Consumer complaint received 2023-03-23
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. (CA)

On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,