davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Credit card or prepaid 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 (MD)

This is exactly what happened : So I opened up my PayPal credit account on XX/XX/21 to make a purchase with XXXX XXXX  XXXX XXXX of {$2500.00}. XXXX XXXX  XXXX XXXX canceled my order and said they would be refunding me. I called PayPal to ask when I might see the refund reflected on my account. Instead of simply answering my question, they opened a dispute. On XX/XX/21 I received a refund of {$2500.00} from the merchant. On XX/XX/21 I received a {$2500.00} credit from PayPal since they wrongly opened that dispute. I called them back and said that the dispute needed to be reserved as I never asked for a dispute and the merchant has refunded me. So on XX/XX/21 PayPal charged my account {$2500.00} to reverse the dispute. At this point the problem was completely resolved. My account reflected an accurate balance. However on XX/XX/21 PayPal charged me a second time for {$2500.00}, causing my account balance to be very high and inaccurate. I should have only been charged once to fix the dispute error. The second charge was made in error. Ive been trying to get my money back for over a month! I should be able to get it back as quickly as they wrongly stole it from me. This is reflecting a high balance on my credit report and is negatively impacting my credit score weekly!!
Consumer complaint received 2018-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

CAPITAL ONE ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON XXXX   111 TIMES AND IS FAILING TO REPORT TO XXXX.
Consumer complaint received 2018-07-01
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: World Acceptance Corporation (TX)

Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.
Consumer complaint received 2018-07-01
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (IN)

CAPITAL ONE ONCE AGAIN FAILED TO REVERSE ALL FRAUDULENT DISPUTES AND KEEPS CHARGING LATE FEES AND OVER LIMIT FEES.
Consumer complaint received 2016-06-30
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

we were denied credit because of serious delinquency, and public record or collection filed. We filed chapter XXXX XXXX XXXX and Capital One Bank USA NA was paid in full according to my attorney XXXX, NY XXXX and also XXXX XXXX XXXX were paid. There should be no written off amount or any liens against my property on XXXX, NY XXXX. Please remove this negative information and report this history as a fair and accurate information. I would like XXXX TX XXXX XXXX please correct this information and XXXX XXXX and XXXX XXXX to correct the negative information. Also our XXXX Case Number XXXX is paid our second mortgage loan number XXXX is also paid through bankruptcy chapter XXXX through court system in XXXX, XXXX XXXX XXXX we have a letter saying all of our payments are satisfied. Experian credit needs to correct & XXXX
Consumer complaint received 2022-12-02
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. (AL)

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. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These disputed items wasn't removed from my credit record within 30days of the investigation period
Consumer complaint received 2022-02-06
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. (TX)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Good afternoon, This is in regard to my original complaint # XXXX. The refenced complaint # was filed on XX/XX/2021 @ approximately XXXX. In addition to this complaint, I have emailed XXXX, XXXX XXXX XXXX XXXX, XXXX now XXXX times. On XX/XX/2021 I mailed a letter to you that included copies on emails sent, and ive since sent more. XXXX, XXXX XXXX XXXX XXXX, XXXX, have ignored all attempts to contact & the situation is still not rectified. 
Capital One verified this debt was not mine. They have now garnished my taxes, how can they garnish when attempt to payment was made? I never missed payments on this account even though it is not mine. Payments stopped due to XXXX, not due to me. They can NOT PROVIDE PROOF they tried to contact me to reopen this account for payments. After receiving the letter about possible garnishment I, as mentioned above, have contacted then now XXXX times to try to discuss this matter. I am more than baffled that the credit bureaus have deleted this account because they did not have the supporting documentation, as this account is not mine. Yet, I am still receiving letters in regards to this and am now being garnished when they fail to communicate. Garnishment was not necessary. This issue needs to be resolved and communication back in response to my emails and phone calls needs to take place. I am not someone who does not pay on accounts. Thank you.
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION (AZ)

Consumers XXXX XXXX & XXXX XXXX entered into a consumer credit transaction with Sallie Mae on XX/XX/XXXX & Again on XX/XX/XXXX. We used our credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under 15 usc 1605. Sallie Mae then took our credit and got a loan and begin to violate 15 usc 1692 e because they falsely represent the status of a debt.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

XXXX XX/XX/XXXX Property taxes due. Notice sent directly to Citizens One. XXXX XX/XX/XXXX Loan Closed. ( Escrows were not netted ). 

XXXX XX/XX/XXXX received late notice from XXXX County. Property taxes were not paid and overdue. 

Amount due : {$2800.00} Late fees : XXXX Between XXXX XX/XX/XXXX and today, I and my mortgage broker have contacted Citizens several times ( More than 10 ) and get a different response every time. Was told to call back on XXXX XX/XX/XXXX and " if I had not received a check, they would over night me one. 

Mortgage Broker : XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX Called XXXX XX/XX/XXXX and all case info was gone. Like I never called. 

XXXX XX/XX/XXXX Broker called to get an update and I was told to NOT contact Citizens again. 

XXXX XX/XX/XXXX Called, Tried to prevent me from filing a complaint by not giving names or NMLS IDs. On hold for 35 min. Never connected me and got disconnected after being on the phone for 41 min. Call ending XXXX XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX Called to get update. Spend 47 min on the phone. Servicer refused to give me her ID or name and said that it was my current mortgage companies fault or the title company. Broker said that is 100 % not possible or accurate. Asked to speak to superior but she kept talking over me reciting something she was reading. I never got an answer or to speak to superior. 

Law says loan servicer is responsible for taxes till they are no longer servicing the loan. They did not pay the taxes when they were the servicer. 

No one has called, mailed, emailed me. No communication at all since my first call XX/XX/XXXX. 

I would like a check or wire for the taxes and the late fees : {$2800.00} Late fees {$610.00} * I am a XXXX XXXX XXXX XXXX in the XXXX of Virginia # XXXX
Consumer complaint received 2022-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

In XX/XX/2021 I received a car insurance renewal letter from my XXXX agent, XXXX XXXX. I sent an email to XXXX advising her that I didn't plan to renew. XXXX collects payments a month in advance, which meant I did not owe for the month of XXXX. XXXX sent me a billing invoice in spite of our cancellation correspondence, for {$220.00}. I contacted XXXX once again and she advised she needed my new auto insurance policy in order to cancel my account. I forwarded XXXX the requested information via email. However, in XX/XX/2021 I received another bill for {$220.00}. 

I then contacted the XXXX consumer services department, the representative who assisted me was XXXX, XXXX. XXXX advised that she would address the matter. In XX/XX/2021 I received an email from XXXX advising me that the investigation was completed and my account would be updated accordingly. Shortly after receiving that email and within the same month I received a collections letter from Credit Collection Services ( CCS ) for {$120.00}, less {$100.00} of the originally reported XXXX balance. I contacted CCS immediately and advised them of the aforementioned. I informed them that the account balance was inaccurate and would soon reflect a {$0.00} balance. The representative with CCS advised me that my account would be placed " on hold '' until further investigation. I forwarded them supporting documentation which included my email correspondence with XXXX. 

I continued to receive collections letters in XXXX and XXXX. In XX/XX/2021 I received a letter from CCS advising that the balance due was valid. I attempted to reach out to XXXX more than XXXX times via email and phone, but she never returned my calls or responded to my emails. I contacted the office of my XXXX agent and the representative that assisted me advised that there was nothing they could do to assist me once the account has been transferred to collections. I questioned the policies and standards that stated an account with an active dispute could be sent to collections without notifying the consumer. The representative did not respond. 

To avoid damage to my credit, considering the unwillingness of XXXX to adequately address this matter, I paid CCS {$120.00}, the amount of the alleged debt. This month CCS sent my account to XXXX, XXXX, and XXXX, which they advised me they would not do. To add, they reported that the debt had been outstanding since XX/XX/2021. This action appears malicious, biased, and a complete violation of my consumer rights.
Consumer complaint received 2022-10-09
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the iteams as soon as possible.
Consumer complaint received 2022-02-06
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without 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 XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX company is reporting the same account on my credit reports and increasing my debts owed falsely. It was removed once and reinserted without any type of letter or information mailed to me stating so. Incorrect information can not be lawfully reported. The information is incorrect, the amount is incorrect, the information listed does not match my name or address. I have disputed it with the credit bureau repeatedly to no avail.
Consumer complaint received 2018-07-01
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: Experian Information Solutions Inc. (FL)

almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; Experian, XXXX, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (SC)

We terminated an employee in XX/XX/2021 who was an XXXX on the TD Bank account on the ETreasury side. We worked with our local branch to have everything set up correctly and to remove that person from our account, however, they only corrected XXXX of XXXX sides. We've been reaching out to TD for several months to correct this issue on the ETreasury side. No response. Every time we contact the call center, they inform us we must speak to the treasury supervisor XXXX XXXX who has not returned our calls. We've been given other names that we can't even leave a message for, but never answer the phone. The XXXX still shows the person terminated in XX/XX/2021 and we can not add our new employees. 

XXXX XXXX XXXX University XXXX, SC
Consumer complaint received 2021-03-10
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. (WA)

XXXX XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (CO)

I only had {$900.00} to pay now all a sudden it's at XXXX ... ..i was making payments but I guess it was not good enough for them. If there is a garnishment to my pay. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop contacting me I owe nothing to these XXXX  trying to over charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-10
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: Paramount Recovery Systems, L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXXXXXX XXXX XXXX ) XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXX MD XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (TX)

On XX/XX/XXXX I called my mortgage company Shellpoint for options because I was not being able to paying the mortgage. I was giving the option to extend my forbearance. I was told that my credit report would not be reported late and I did not have to pay until XXXX. 
Early XX/XX/XXXX I received a phone call that my mortgage was not paid. I told the representative I was on a forbearance plan. The representative told me she did not have any records of my forbearance. On XX/XX/XXXX I called my point of contact XXXX XXXX I left message he called me back XX/XX/XXXX and he informed she did not put it in the forbearance correctly he will put it in for me. I will not be responsible for XXXX, XXXX, and XXXX mortgage for sure and no negative reporting will be done. To be sure I called XXXX XXXX back on XX/XX/XXXX however he was on vacation I got routed to another representative XXXX informed me that XXXX nor the representative in XXXX has the right to say I am approved for the forbearance it has to be submitted for approval. XXXX also informed me that I was denied and needed to make arrangements. I was in tears and could barley talk. I had to call back XXXX. I tried calling he was on vacation. So right before XXXX XXXX I called back to XXXX XXXX he did not answer I spoke to Another rep she placed me on a loan modification. My concern was my credit report. I was told by Shellpoint that I wasnt going to have to pay XXXX, XXXX, and XXXX by being approved for a forbearance which will not report me late. It was until the XXXX I was told it wasnt true.She stated lets put the modification and after that file for a dispute. So on XX/XX/XXXX I called back to file a dispute XXXX still not answering my calls I was told I could only file online. So I submitted an online request and got a letter in the mail stating per cfpb and the fcra they are required to report accurate information. It is an abuse of power for a company to tell me I dont have to pay a mortgage and than report it late on my credit. The representative I spoke to in XXXX and XXXX both are representative of Shellpoint. I have now gotten a job at XXXX starting XXXX XXXX I have been now denied a job. I am requesting they do the right thing. I would have applied for a loan modification back in XXXX instead of waiting for them to mess up my credit. I requesting my credit be updated asap