davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I call experian spoke to XXXX in the special services department XXXX was very rude did not want to help me with my request and when I asked why she can't access me she told me to send in my information even when I already did and they delete the incorrect information then I looked a month later and re-inserted the same information they deleted off my credit report. Please hold XXXX accountable for not doing her job with correcting my name as it is my right to have my information be 100 % accuarate the this name XXXX XXXX and XXXX XXXX XXXX is not my name as you can see on my drivers licences. I also sent proof that the company removed it then reinsert the name again.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

Amex pulled funds repeatedly from my account for a payment, even after I processed the payment manually myself. They additionally charged me a late fee. I wasted 30+ mins with a chat rep on XX/XX/XXXX, trying to get them to stop pulling funds from my bank because my bank is charging me fees for so many transactions. Attached document shows the bank fee and the number of times they have pulled the {$72.00}. 

Their system can not recognize that multiple credits have already been posted to the account. They need to revamp their system to instill some basic checks and intelligence and train their reps to not waste customers time by providing accurate information. The Chat rep could not help me but kept me on hold trying to check on things and then finally said that I had to call the fraud line. It looks like no one monitors that #. After being on hold for 45 mins, I hung up. 

So, I called the regular customer service # on XX/XX/XXXX. Amex used to be an institution with educated, polite reps. Unfortunately, no more. Their system does not work and when I called it that, the rep hung up after I was on hold for 30 mins to speak to her. 
Pathetic customer service.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

I am XXXX XXXX submitting this complaint against credit management LP and their is no third party involved.

Credit management LP did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX. XXXX dollars. This was listed on all the credit reports that this account was charged off as bad credit. 

According with the Fair reporting act, the above account violated my rights according to the 15 USC section 1681, which state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Consumer complaint received 2022-08-31
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)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit card — Store credit 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 (IN)

Charge for services not as advertised! Close my dispute without my proof or any doucmentaion. When I complained about this they reopen the dispute and I attached the supporting documents in which they closed the dispute in less than 24 hours in favor of the merchant again! 

This below is the responce for services not as advertised! 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : CareCreditSM Account Ending in XXXX Creditor : Synchrony Bank Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your inquiry. I appreciate you bringing this matter to my attention. 



We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account. 



We have researched your complaint. Based on our investigation, a credit will not be issued for the sale of {$750.00}. Your claim was presented to XXXX XXXX XXXX. A copy of their response is enclosed. The dispute has been resolved in favor of the XXXX XXXX XXXX. Additionally, we have enclosed signed documents where you acknowledged any possible side effects and XXXX XXXX XXXXXXXX XXXX nonrefundable policy. 

At this time, we consider the dispute closed. If you have any information or documentation in support of your dispute that was not previously provided to us, please contact us at ( XXXX ) XXXX, and we will be Happy to re-evaluate your case. 

The disputed amount is now subject to interest charges, although deferred, and will be used to determine your minimum payment due. Please refer to your next billing statement for your balance and payment due date. The terms and conditions of your account have not changed.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bayside Capital Services, LLC (CA)

OnXX/XX/XXXX XXXX XXXX XXXX from Bayside capital collection agency contacted me as well as a family member to collect a debt she threatened me by telling me I would be receiving legal document on XX/XX/XXXX and I still have't received them as of XX/XX/XXXX.
I then contacted on XX/XX/XXXX to XXXX XXXX XXXX and informed her about my situation I 've been unemployed since XX/XX/XXXX so I would need to do in hardship to pay the balance of the payday loan with checkngo.
I called back on XX/XX/XXXX to resolve this problem and to do the hardship of {$50.00} a month for 90 days. I was requesting this information and this agreement in writing documenting the agreement that XXXX XXXX had my loan with XXXX XXXX XXXX.
I would be paying the {$50.00} for 90 days and I also wanted to agree that the amount was going to be {$2200.00} not {$2800.00}. By me paying {$50.00} there would not be any penalties or interest and I wanted all this to be document down in the agreement I also wanted to mail in my payment I was trying to resolve this matter with Bayside Capital collection agency and they did n't want to work with me to resolve this matter.
Consumer complaint received 2022-10-27
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent
Consumer complaint received 2023-12-02
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: SYNCHRONY FINANCIAL (FL)

I went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MO)

I sent an Error Resolution Notice to M & T Bank concerning an error in the application of an unknown payment to my account. I did not make that payment and M & T Bank did not disclose the source of the payment. I requested that M & T Bank provide me with copies of all documents and information that they relied upon to post the transaction to my account. See attachment : XXXX M & T Bank has not corrected the error. M & T Bank has not provided me with a written notification that includes a statement that M & T Bank has determined that no error occurred, a statement of the reason or reasons for this determination, a statement of my right to request documents relied upon by M & T Bank in reaching its determination, and information regarding how I can request such documents. See attachment : mtbank_letter.PDF
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Coastal Financial Solutions, LLC (IA)

The company calling leaves messages telling me that they are going to serve me at work or home and i have asked them please discontinue to call me they have not and i ignore them so now they are calling my wife 's mom telling her my business.
Consumer complaint received 2019-11-19
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. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I am a graduate of XXXX XXXX. I attended an online XXXX XXXX in XX/XX/XXXX, which I had to drop from due to motherhood, and then the XXXX, Tx campus in XX/XX/XXXX. The course that I had applied for ( XXXX XXXX ) had cost a little over {$46000.00}. I had completed the course and I graduated in XX/XX/XXXX. At the time of graduation, there was words going around that the XXXX campus was going to be closing down. At the time that I was attending the online program I was set up with a XXXX XXXX loan. Not knowing why I was being set up with it, when I was using my G I Bill because at the time I was a XXXX XXXX XXXX. I was promised job placement upon graduation and help with the career counselors with my resume. The career counselors seemed like they did n't know how to put together a professional resume to help students get the job of their studies. So now I 'm left with multiple student loans on my credit. I never had any desire of a student loan because I was entitled to use my post XX/XX/XXXX which I did and now I 'm stuck with them on my credit report and no job in the field that I study for.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

Money was refunded and accepted from XXXX XXXX to a closed account through a debit card that was used for initial purchase. Wells Fargo states they accepted the money but then re-routed it back. XXXX did not receive the money and Wells Fargo will not provide any routing information or proof that they did this. XXXX has provided me with documentation that the money was accepted by Wells Fargo. Wells Fargo will not return my calls from the debit card office. I have dealt with a local branch manager that was trying to help me with this and ended with him just trying to assure me that the money was returned. The amount was {$420.00}. The money was sent to Wells Fargo on XX/XX/XXXX. Initial purchase date was XX/XX/XXXX.  Account at Wells Fargo was closed XX/XX/XXXX and debit card was removed from XXXX account by me shortly thereafter. I was told that refunds will be sent to the initial card it was charged on despite it being closed by customer. Both sides deny they have the money yet one of them does. The next step was that I filed a complaint with the Federal reserve and almost immediately got a call from the division of debit cards for Wells Fargo which I had left countless voicemails to without return calls. An employee, XXXX, was very helpful and placed a 3-way call to XXXX to resolve this. I was on the phone with her, someone from XXXX that she had called and we were transferred around until we got a manager from a call center that finally just stated that they would send the money in a check and that I would receive in in the next 15 to 25 days. I thought this was resolved until I never received a confirmatory email and of course never received a check. I then called XXXX and through several transfers got to a regional manager that stated that they have no record of the call, no check issued and stated that XXXX has a strict policy and would have immediately disconnected if they were ever on the phone with some bank employee. They again told me that Wells Fargo never routed any money back to them and it is likely in an account for unclaimed funds through Wells Fargo and they need to find it.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

I sold a musical instrument through XXXX XXXX for {$3900.00} on XX/XX/22. Seller sent a check dated XX/XX/22 for {$5900.00} from an account in the name of XXXX XXXX XXXX in XXXX and from a XXXX XXXX XXXX, also in XXXX. He requested that the instrument be delivered by a private courier named XXXX XXXX XXXX from the XXXX XXXX XXXX  in XXXX, IL and asked me to send them ( the courier ) {$1900.00} or the balance of check received to for transport fee. I received and deposited the check on XX/XX/22 and once my bank cleared the check and ( about 3 days ) the funds were in my account, I sent the courier the money via XXXX. Three days later on XX/XX/22, my bank removed the full amount of the deposited check from my account stating that it was altered or fictitious. I contacted the company listed on the check ( who is a legitimate entity ) and they informed me that approximately 10 of their checks were forged/ altered. I reached out to XXXX XXXX via email and asked him to immediately return the funds and he stated that he had already sent the funds elsewhere. Fortunately, I did not release the instrument, but I am out of pocket for {$1900.00} and my bank/ XXXX will not return my money even though I only acted AFTER they initially vetted the check and released the funds into my account. I immediately contacted my bank ( PNC Bank ) to report the fraud and asked them to intercede with the recipient of the XXXX transfer and they informed me that there was nothing they could do. I find this preposterous since I only acted once they fully vetted the check and released the funds to me. To add insult to injury they charged me {$120.00} in bank fees due to a brief overdraft situation and refuse to return them to me. 

I have reported this issue to the FBI XXXX XXXX XXXX XXXX on XX/XX/22 and FTC on XX/XX/22.
Consumer complaint received 2022-12-16
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-10-27
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received an email from the CFPB regarding the response to complaint # XXXX stating that the lender my loan was transferred back to now has an 15 days to respond to my complaint filed against its servicer XXXX. The two lenders are both involved in the same loan transaction. The lender that now has my loan, Bank of America, should continue where its servicer left off not be granted MORE TIME as my HELOC is resetting to a payment I can not afford and needs modification ( as explained in complaint # XXXX against XXXX ) I also made a payment of {$490.00} due just before the transfer which I never got credit for. Interest on the loan continues to accrue. Where is the payment I made? Because now they show me in arrears with a combined next payment due of over {$1300.00}. I can not afford that and will lose my home for sure!
Bank of America, which has my loan now, did reach out to me with a phone number but when I call and no one answers or returns my messages.
I need help and answers to my request for modification, not more delays. I feel I being passed around til I become severely delinquent, then WHAM! I/m in a hole I can climb out of.
I do not need to lose my home as I finally have a place to live that has been modified to fit my XXXX ( XXXX, XXXX XXXX ) If I lose my home to foreclosure because I can not afford this new HELCO payment, I will be left homeless.