davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NY)

I contacted Synchrony Bank twice and negotiated a settlement for a balance owed on an old Amazon card account as well as JC Pennys. I fell on hard time, became XXXX   and lost my job. As soon as I received a new position, I took care of the debt. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.
Consumer complaint received 2018-06-12
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. (CA)

My current car loan which show it being with XXXX XXXX XXXX on XXXX and XXXX but shows XXXX XXXX XXXX XXXX on my Experian report is being reported late every month on XXXX and XXXX but my payments on time with Experian. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

IC System is a debt collector hired by XXXX XXXX. I paid full outstanding balance {$720.00} to XXXX on XX/XX/XXXX and yet they hired a debt collector for {$100.00}, which they don't have an invoice. Note there was fraudulent charge on my XXXX account for their lack of security measures. I suffered losing my phone service and number for many days. 

On XX/XX/XXXX I made a request to IC System and XXXX for payment verification but I have not heard anything except to wait XX/XX/XXXX. 
Not only I had to wait 2 month for the verification, this collection appeared on my credit report driving down my XXXX score to XXXX. It made damages on my personal finance as I can not get a new credit.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Company has been asked to validate information from my credit report. XX/XX/2024. The company sent me a letter saying they could not validate my account. 
They stated that they would not continue to report the account to the Credit Bureaus. The account is still on my credit report. This is a violation of the Fair Debt collectors reporting act.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

i had a amex XXXX XXXX XXXX card. which gives 5 percent back on purchases from XXXX. i spent this past month over XXXX dollars from XXXX which is about XXXX points worth XXXX dollars. amex opened up a financial review of my card. asking me for bank statements and the like. i uploaded everything they asked for. they still decided to terminate my card and now they do not want to give me my points because ny account was closed before the statement closed. i do not feel its right that when they decide to close my account with no fault of my own that they can just not give me points which i had rightfully earned. i tried calling many times the agents do not know what side is up everyone tells me something else but i still do not have my points
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing USAA bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo Home Mortgage continues to use the United States Postal Service to mail fraudulent statements to me, claiming I owe them over {$200000.00}. I never contracted with Wells Fargo Home Mortgage. They continue demanding unsubstantiated amounts, usually in the range of thousands of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I applied for Discover it Credit Card XX/XX/XXXX received card when I tried to activate it I received email from Discover stating to activate card I had to provide " Notarized Enhanced Verification Form '' I declined to submit form because I already had a Discover it Credit Card and felt it was unnecessary to submit notarized documents that they required. Email said card would be declined in 14 days if they did not receive documents. On a XXXX/XXXX/XXXX I received a statement for credit card ending XXXX never used or activated the charges are not mine total charges {$1200.00}. I tried to call Discover on XX/XX/XXXX office was closed. I wrote a letter XXXX/XXXX/XXXX to Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. ATTN : FRAUD DEPT/BILLING INQUIRIES DEPT staring that these were not my charges and I had been a victim of identity theft sent copy from Federal Trade Commission Identity Theft Report Numbet : FTC XXXX XXXX Received letter XX/XX/XXXX from Discover staring that they were investigating it and they sent " Affidavit of Identhty Theft '' which I completed and sent back to them. They stated it could take up to ninety days to complete. Never heard back from them so I assumed it was resolved and taken off my credit report. On XX/XX/XXXX I received a statement from Discover in the mail statement ending number XXXX amount I owe {$1300.00}. I wrote them another letter XX/XX/XXXX asking for an explanation with the following enclosures : Copy of letter dated XX/XX/XXXX XXXX of statement ending XXXX ( disputing Copy of statement ending XXXX ( received in mail XX/XX/XXXX no idea what this is )? 
Copy of email received XX/XX/XXXX to have notarized enhanced verification form. 
Copy of Identity Theft Report filed with FTC Copy of Letter XXXX XXXX ( my Mortgage Co ) notifying me in data breach Copy of the only Discover Card I have ending XXXX no balance owed. 
I appreciate your help as I can not get any cooperation from Discover how can they charge me for a card that I could not activate? Now they are showing it on my XXXX Credit Report as a delinquent payment history, which is undermining my XXXX XXXX by XXXX ponts.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc. (IL)

They are attempting to collect debt in Illinois, while contacting me from XXXX, without an illinois license. This is against ( XXXX XXXX XXXX. XXXX. XXXX ).
Consumer complaint received 2019-05-14
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. (GA)

I received e copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I made a Visa Debit card payment of {$80.00} to XXXX. The payment showed up on my account as {$80.00} and then vanished. I new charge of {$100.00} was charged to my account.. I have challenged the business about this difference and the charge remains on my account. My bank maintains the {$100.00} is correct.. What shall I do?
Consumer complaint received 2019-05-14
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. (MO)

Equifax is reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My current car loan which show it being with XXXX XXXX XXXX on XXXX and Transunion but shows XXXX XXXX XXXX XXXX on my XXXX report is being reported late every month on XXXX  and Transunion but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MN)

Up until this past year, Wells Fargo has charged me massive fees over and over to pull my money from my savings into my checking account if there was ever an overdraft. I was charged to use my own funds, which is not ok.
Consumer complaint received 2022-08-25
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX  Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-06-12
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. (AL)

I have submitted to transunion about incorrect information on my credit report and have not received information on how they verified the account. I have attached XXXX certified request from secretary of state and i have no liens placed against my name for the said account listed on my credit report that the credit bureau verified and remain. They are in violation of the fcra for not properly verifying these accounts. I have attached a re- investigation letter for their review.
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bureau of Accounts Control (NJ)

Debt was paid in XX/XX/XXXX for the full amount of {$360.00} for services rendered in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. I have received notice to verify account has been settled in full dated XX/XX/XXXX and that this information would be forwarded to all three Credit Bureaus to delete this from my credit report. This account still shows open and has not been reported to one of the three bureaus ( XXXX  ). I have contacted the company and they stated they submitted electronic request to all credit bureaus and I needed to contact them there is nothing else for them to do this happens all the time and it is out of their control. I contacted the above mentioned credit bureau ( XXXX  ) and they stated they have not received any electronic communication from the collection agency and account still shows active and open, the company will have to resend over the request before account can be deleted from my credit report they can not just delete without receiving communication from collection agency. I contacted the company twice in XX/XX/XXXX and again in XX/XX/XXXX and each time they keep giving me the run around saying there is nothing they can do another department handles submitting the request to the credit bureau 's, they do not accept phone calls from customers and they were not able to resend the information since it was already sent the first time.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a credit card with Bank of America and I almost never use it. I have a auto draft setup for several years for this card so the balance will always remain XXXX. This credit card has a $ XXXX  yearly service fee. Last year around XXXX this credit card charged a service fee that was not automatically withdrawn using my auto draft. Unknown to me the service fee stayed on the account as a balance and I was charged 30 days delinquent not for actual purchase but for a service fee. I have spoke with Bank Of America customer service on several occasions and they all admit the issue is on their side however when ever they send the correction request to their credit reporting department the department refuses to acknowledge that the technical error happened on their end and correct my credit reporting. I have XXXX credit score for maintaining an perfect payment record this reporting put a blemish on my credit for something that is Bank of America 's fault and I should not be punished for that error.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

2 separate issues : 1. On XX/XX/XXXX, I attempted to make a payment via my usual method, for some reason the website only took my additional principal payment, not my standard Mortgage payment. I was NOT contacted about being late for XXXX, due to this error on THEIR website, although they claimed I was. I have proof no voicemail was ever left or email ever received. Once I realized this had occurred, I made both payments i ( and a thrid payment for XXXX ) including the late fee on XX/XX/XXXX ( one payment for the missing XXXX, and for XXXX ). I was reported 30 days late for XXXX. I sent them a message per their website recommendation. No response for over 40 DAYS. I called during this time, in which they credited back the late fee to my principal, but unbeknownst to me two weeks later ( ~XXXX XXXX ) I was reported as late. 

2. Second issue : I have statements clearly stating on their website as well as my own records that on XX/XX/XXXX I made payments for XXXX, XXXX, and XXXX. Right now, their website indicates my next payment is due XX/XX/XXXX, yet they reported me 30 days late AGAIN for XXXX. 

This Servicer tries to avoid assisting in any way by forcing their customers to use poorly working websites, tedious phone trees, and 30 day turn around SLAs for answering questions via their website message ; all while claiming ( according to the large banners on their homepage ) that they are " here for their customers during this Covid crisis. '' Not only is this bad business it is fraudulent in nature. I have made complaints to the mortgage broker that uses this company as well as to whomever else will listen. Hopefully there is something that can be done about these types of shady businesses.
Consumer complaint received 2020-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

PRA is reporting inaccurate information to my consumer report, specifically, XXXX.

I had disputed the alleged debt with the alleged creditor and that dispute was never resolved, and according to PRA they bought the debt.

I have asked for the underlying contract so I may file an arbitration action against them and the refuse to provide such information.

They are reporting inaccurate information and that violates the FCRA is a per-se violation of the FDCPA.

Also they are reporting they ( PRA ) are a " FACTORING COMPANY '' Again, this is a false and misleading statement. A factoring company provides loans against accounts not in default and that are assumed to be legally collectable, usually due to the original owner need an influx of cash.

PRA is a debt buyer and has been sued many times for their illegal practices and continue to flaunt the law.

They are reporting inaccurate information about the alleged account, they have no way to know anything about the original dispute because they were not a party to the dispute, they are failing to arbitrate by refusing to produce the alleged contract and they are referring to themselves as a factoring company, an clear and obvious misrepresentation.

On a side note, XXXX XXXX, the alleged original creditor has removed the account from all three of my consumer reports and they are the alleged original creditor, yet PRA is claiming its information is accurate when the original source of the information did not claim the information was accurate when said information was disputed?
Consumer complaint received 2022-10-05
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)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XX/XX/2019 has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy 15 U.S. C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

I made a purchase at a truck stop in XXXX XXXX, XXXX  early on XX/XX/XXXX. I paid with a Bank of America card [ last four digits XXXX ]. I then drove to the interstate and began driving to XXXX, XXXX. Sometime mid-morning of that same day, I received a fraud alert from BOA. 
I pulled over in the town of XXXX, XXXX and called the number. A representative, a man, looked at the charges and attempts to use the card. After determining it was not physically possible for me to have made the charges, he told me he was cancelling the card, and that I would not be responsible for the charges. [ {$260.00} on XX/XX/XXXX at  XXXX XXXX XXXX ]. 
( I called the manager of the store : he used security recordings to find the activity. He may well have been a co-conspirator as his answers seemed very vague and strange. ) XX/XX/XXXX I received a denial letter. The letter stated that the charges had been made using the chip on my card. They stated the card would have to had been present to make the charge and I obviously made the purchase. Not true. Wasn't there. 
XX/XX/XXXX I made a call to BOA and talked to XXXXwo fraud adjusters. I was told they were sorry but it was obvious I had made the charges since the chip had been read. I told them " someone is ahead of the curve/better technology '' : I was not present, did not make the charges, was in fact several hundred miles away. They still denied it.
Consumer complaint received 2020-07-13
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. (MS)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.