davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
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. (OH)

Equiafax was compromised and now my credit score has dropped drastically within a day I tried to get help but I have to pay for them to now protect me even though the negligence has already impacted me
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NH)

I was charged by Ashley Furniture in XXXX New Hampshire twice for a single purchase. The charges were 3 months apart. The disputed charge is for {$4100.00} and occurred in XXXX of 2021. I filed a dispute with Synchrony XXXX of 2021 when I noticed the charge on my statement. I also spoke with the store manager XXXX XXXX XXXX the same day who instantly noticed the error. She told me that she issued a refund for the charge and that I was still owed another {$200.00} refund for their terrible service of the initial purchase. The refunds were never issued. My credit score fell XXXX points due to the amount of new debt being reported. 
I then filed a dispute with the bureaus to have the charge removed. XXXX then removed the entire account from my credit profile which caused my score to fall another XXXX points. Repeated calls to Synchrony result in nothing. They refuse to allow people to speak to their dispute team. 
To make matters worse, I received an email from Synchrony that said I had a new digital letter from them. The link to open it leads to nowhere. Synchrony can not say what the letter is on the phone as they claim to not have access to it. So I log into my account to see if I can find it there. I instantly get an error message saying my account can not be accessed online and to call their customer service, who literally can tell me nothing about that situation either.
Consumer complaint received 2017-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This complaint is about the Bank of America and our billing dispute for {$62.00} for the company called XXXX and XXXX ( the 2 companies are now one ). The XXXX XXXX Deals, sold and advertised directly on their site are special promotions, generally at about 50 % off and they must be pre-paid by credit card. Their ads are savvy and enticing, and they must be pre-paid! 

They entice consumers to try merchants who they might not know about, which is great for the merchants. I only contacted XXXX XXXX ( a home XXXX XXXX XXXX ) because of this XXXX XXXX Deal, and when they came, instead of honoring our pre-paid Certificate, we had to write a check for {$160.00}, so we did pay double and we WILL NOT do business with XXXX XXXX or XXXX ( XXXX recently bought their competitor XXXX XXXX ). We ( XXXX and XXXX XXXX were really angry and upset that we were " taken to the cleaners " by XXXX XXXX. 

SInce XXXX XXXX, XXXX, when our billing dispute began, Bank of America has repeatedly asked us to send in dispute forms ( duplicate request -- all 3 disputes the same because they are not understanding ) ... and we also have sent proof of duplicate payments 3 times now, and are dragging their feet on honoring our card-member agreement and somehow act as though, they want to close the dispute, falsely claiming that I have not sent enough proof that even with a PAID CHECK ( BOTH SIDES ) I re-send this to them today by mail, because BOA wants to believe whatever lies XXXX XXXX is telling them, in response to our billing dispute on our Bank of America visa for {$62.00} because their Service provider, XXXX XXXX when they came to our home for our appointment on XXXX XXXX XXXX, REFUSED to honor our XXXX XXXX deal that we bought just 10 days earlier. ( PLEASE SEE ATTACHED ALL DOCUMENTS AND PAYMENTS ). 

The problem at XXXX XXXX/ XXXX is they do not offer customer service. We do know how to read and understand all terms and when you have a problem, they are not customer service oriented the way they used to be, their " ONLINE CHAT "  system at XXXX XXXXXXXX XXXX website is time consuming and they aregue down their customers with an " upside down " customer service policy that promotes this type of Fraud & Abuse. 

Further, BOA, Bank of America, seems most interested in protecting the GIANT company, ( XXXX ) rather than their consumers. 
We want the CFPB and the FTC to investigate BOTH Bank of America and also XXXX XXXX / XXXX for FALSE ADVERTISING/ DECEPTIVE advertising policies and other violations of Federal law that protects consumers from FRAUD.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (OH)

Source management is trying to collect on a debt not owed. I sent a response to the first complaint stating my situation was unfortunate, but I signed the contract ; other than being very careless by representing a company that has manipulated a person into a contract is not unfortunate. It's against the law ; furthermore, as I explained, the debt was paid in full two foIds. also, the collection sent two contracts for two different homes. I only own one home, which would make sense and support my statement of being FALSELY charged, the overcharge. it is a sad day when a company knowingly represents the company with such fraudulent business practice, which is a concern in itself, as you are gaining from this fraudulent ACTIVITY, THAT IS WRONG AND MISREPRESENTATION NOT UNFORTUNATE. I don't know owe this debt, you have the contracts so why don't you share the payment history from day one
Consumer complaint received 2021-07-02
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. (MN)

I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.
Consumer complaint received 2021-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft BBY/CBNA Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

On XX/XX/2018 my mortgage transferred from XXXX to M & T Bank, the transferred escrow amount was {$14000.00} per XXXX transfer statement but M & T is unable to provide breakdown of where the escrow money went? Their total is lot less than XXXX and they are not providing breakdown of transferred escrow. M & T 1098 has escrow section which is showing amounts paid after XX/XX/XXXX and most of the funds as Miscellaneous, also the refund is counted twice and has double entry yet I received only once. There are huge mistakes on their numbers but they are not answering my concerns via messaging and are very rude over the phone. Please help me.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (CO)

Experian, XXXX and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Consumer complaint received 2019-11-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My credit monitoring service alerted me that Bank of America pulled my XXXX   credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with Bank of America in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called BoA credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called XXXX  to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from BoA to request the removal of the inquiries. 
At the moment, it is difficult to contact BoA for help.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

I purchased two items at XXXX. 1st one was under 12 month promo no interest in XXXX, the second was not on promo in XXXX. 
I purchased the second item in XXXX and made a full payment to pay it off. The first statement in XXXX showed that I paid off second item. I then see on the next statement i XXXX that they applied my payment to be split between no interest promo item and the second item I purchased and now I am incurring interest charges. I reached out to customer service via email and they explained a process in which they split payments even on promos and it was very confusing and didn't make sense to me as I understand that payments are to be allocated to the account that has highest interest first. I asked them to correct the error and they sent the same guidelines with no resolution to the problem. I sent another email requiring them to reallocate the payment and they declined. 
Please see attached emails and statements showing the balances and payments.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove or these fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I would greatly appreciate someones assistance in this matter. I purchased a XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX, TX and it was regrettably financed through Chrysler Capital. I have made several attempts since XXXX of XXXX to make contact with Chrysler Capital in regards to the real balance of {$480.00} that they show on my account with them but yet show a balance of {$680.00} on all of the credit reporting agencies. Neither XXXX of the amounts is correct and hasnt been since at least XX/XX/XXXX when Chrysler Capital cashed a check from XXXX XXXX in the amount of {$460.00}, the documentation regarding this check payment was provided to me by XXXX XXXX and is also attached. I recently disputed the Chrysler Capital account on my credit reports again & again it stated that it was valid. I have also attached message documentation that I sent on their account website. I have contacted them several times via phone and their internal messaging system since XX/XX/XXXX, as you will see on the message information that is attached, its the same message, over & over and when I call they always say that they have opened up a ticket and it could take up to XXXX hours for them to do their research. They had me fax over the documentation for Check # XXXX in the amount of {$460.00} from XXXX XXXX that they received and cashed on XX/XX/XXXX. This amount was never applied/posted to my account, they have confirmed that received my fax documentation from XXXX XXXX on XX/XX/XXXX, I have called at least once a week ever since then to be told every week that I call that the tickets were closed and they opened and submitted another XXXX. Look at the messages that I printed, as you will notice, they never called me much less replied to the message but the status is XXXX. Also, the balance that they show on my account right before my car was totaled out in an accident was {$20000.00} but the balance according to Chrysler Capital and my XXXX XXXX XXXX XXXX shows {$20000.00}. I am not sure why but using either XXXX of those balances, they were paid exactly {$20000.00} and I owe them Nothing, I have attached a spreadsheet to show you these numbers and all of the payments that were made to Chrysler Capital. I also attached my Transaction History from my online account, please take notice that all of my payments beginning in XX/XX/XXXX were on time and never late. I will be sending this documentation to all XXXX credit reporting agencies, I also found a Consumer Complaint agency on XXXX  website along with the option to upload this documentation if I did not agree with the Dispute results. I will be sending this to the XXXX XXXX XXXX as well as contacting an Attorney about this matter, this is just flat out ridiculous and they have gotten away with this for almost XXXX years now.
Consumer complaint received 2017-12-29
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: Experian Information Solutions Inc. (IL)

XXXX XXXX account on my XXXX and Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my  dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX Last Balance Date XXXX
Consumer complaint received 2023-02-08
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. (IL)

XXXX XXXX has received numerous requests from me. After months of no reply, XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, which I received XX/XX/XXXX. The letter from XXXX XXXX stated that they are not able to locate my account with them with the information provided. I provided XXXX XXXX all possible personal information needed to locate my account with them. Due to the non-formational letter & statement from XXXX, I demand American XXXX Account Number XXXX to be deleted from my credit report IMMEDIATELY due to the fact they have no validation or proof of my account.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I purchased an XXXX XXXX through the following link : XXXX XXXX XXXX Citizens One approved me for a line of credit in the amount of {$2500.00}. I received a confirmation from XXXX which is the retailer XXXX is getting their products from. Below is my confirmation email ( I have attached it to the file uploads ). 

My confirmation states that my order # is XXXX. This purchase was made on XX/XX/2021 in the amount of XXXX! It also states that the item would be arriving on XX/XX/2021. However, the item has not arrived. 

This is happening to hundreds of us. Please see the following forum : XXXX XXXX XXXX? XXXX We have all been attempting to contact XXXX, XXXX, and Citizens One. They all can not track our orders, have charged us, and will not provide us with any further information on the items we paid for.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I made a payment of {$3000.00} on XX/XX/XXXX from my external bank account using bill pay which was transmitted electronically to loan depot on same day, in that payment I had specifically marked for additional principal but despite that loan depot applied it to my next month 's payment which was not even due on XX/XX/XXXX. 
Upon checking this I immediately raised a service request/workorder using online chat for correct application of payment, the ticket # was XXXX and I was given a XXXX of XX/XX/XXXX, and today ( XX/XX/XXXX ) when I check still the payment has not been applied correctly. 
I tried to chat with XXXX today and she said there is no such ticket and they don't handle payments and was very rude in that chat.I repeatedly requested for status on existing ticket and to be connected to supervisor but was not allowed. 
This is second time when loan depot has done something like this. Last month loan depot had returned my payment of {$1000.00} even though it was specifically marked for additional principal. 
My loan documents and note clearly state there is no prepayment penalty and I can make additional principal payment anytime but loan depot is not honoring that either returning the payment or applying the payment incorrectly and not correcting it despite multiple requests and their supervisor even confirmed they don't read the notes for payment-Ideally system should read and apply the payment appropriately