davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I made a purchase from Amazon that did not work for me, I returned it XXXX  tracking number XXXX amazon received it and issued a refund. Synchrony/Amazon Bank falsely states that I owe them even though Amazon has credited my account two times chargeback XXXX & falsely reports me 30 days late and is double billing store card account ending in XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

Subject : Complaint Regarding Alleged Debt Owed to NATIONAL CREDIT I am writing to file a formal complaint regarding a debt that I allegedly owe, which is now under the ownership of the collection agency NATIONAL CREDIT SYSTEMS. Despite the purported ownership of this debt, I have not received any written communication from this company providing details about the account in question. 

I called them and disputed this debt last year XX/XX/XXXX and this year XX/XX/XXXX. 


As of XX/XX/XXXX. XXXX, I have not been provided with an account number or any documentation from NATIONAL CREDIT SYSTEMS, leaving me unsure how to proceed in resolving this matter. The appearance of this alleged debt on my credit account without any prior notice or validation is deeply concerning. 

I kindly request your assistance in navigating this situation and ensuring that my rights as a consumer are upheld. Any guidance or support you can provide would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

My husband and I contacted USAA on XX/XX/2018, and began the process of refinancing our mortgage. As of today, we have dealt with approximately 8-10 employees who all guaranteed us they would own the outcome and get us to closing quickly. As time passed each one has dropped the ball and continue to cause issues and delays, which ultimately resulted in additional expenses on our behalf. USAA had all the required documents on or around XX/XX/XXXX to close our loan. However, as of today we have now been told by several people that our app was escalated and we would get the clear to close by the end of the week. Today we received a call from yet another employee who now advised they do not have all the documents ( even though prior employees confirmed receipt of all docs ) and our app has not been escalated. They yet again requested I submit more documents and they would need to wait approximately 5 more business days to  receive our payoff. 
This veteran based company has treated my husband and I absolutely terrible.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

I have never had this company in my name. This says it has been open since XX/XX/2017. I have had XXXX for over 2 years. There is no way that this could be my debt. Company has not sent proof that this was done by me. Only thing that I just recently received was a settlement letter. I am not paying for something that I have never had in my name. They are saying I owe {$500.00}.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I have had a long standing negative account with XXXX, I have paid this in full long ago and in doing so the collection agency hired, agreed to delete the account from my credit report. I have faxed over the documentation more than once, but was told to deal strictly with the collection agency, after numerous disputes, despite documentation XXXX was provided, they are not doing anything. I disputed this already once, even the statue of limitations in Michigan is 6 years, the credit reporting agencies status was " XXXX XXXX .... 
PLEASE CONTACT CREDIT XXXX AT -XXXX-this was all I got. I feel like we are going in a circle over and over again.
Consumer complaint received 2018-03-29
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 (IL)

I have a referral bonus of XXXX XXXX XXXX XXXX ( XXXX ) plus XXXX additional XXXX points awarded to my account. As of XX/XX/XXXX and after several attempts at contacting American Express to resolve and transfer points to XXXX, I am continually being given different issues about why they are unable to transfer. My last contact was thru online chat and twitter direct messaging @ AskAMEX on XX/XX/XXXX. There should be no issues with my account and these points should have been transferred in XX/XX/XXXX.
Consumer complaint received 2017-08-01
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (NC)

Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MD)

I needed to pay off the loan and get a letter of lien release. I called on a Friday and was told if I made the payment by phone, the payment would be posted on Monday and I could get the letter. 

I made the payment, but when I called on Monday I was told there would be a 10 day hold before I could get the letter. 

Had I been notified of this hold, I could have made a payment with a certified check overnight. Now I may lose my sale due to this failure to uphold their promise.
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRINITY HOPE ASSOCIATES (NC)

After looking at my  credit score  on   XXXX   XXXX   I noticed two different charges from a credit collector who I sm familiar with that takes care of medical debts in the arera I reside. These two different reports was a red flag to me due to a couple different factors. The first thing that has caught my eye was the years in which the debt collector is saying I owe money. I did not utilize the ER/Hospital/Physician that this debt collector normally tries to collect debts. The only type pf  medical services I received in both of the years in quedtion is through my family physician who does not utilize any of the hospital/ER in the aera, futh ermore I have not been in a ER as the debt is accusing. The second thing after the reported years not being any year I had been treated in any of the hospitals the days of the accused aquired debts are almost exactly to the date of the other  by one day. What really concerns me about these reported debts is on or around the time the debt collector is saying that the debts occured I was sepersting from my significant other of ten years and he had a family member who was working for the debt collector at the  time these debts would have been acquired. This family member of my significant other were not on a positive point with each other, due to the seperation.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address the presence of fraudulent accounts, specifically XXXX XXXX XXXX XXXX, currently damaging my credit report. These accounts have been confirmed as fraudulent through an identity theft report, with the associated banks acknowledging the validity of the report.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: M&T BANK CORPORATION (VA)

I was not disclosed on the XXXX and XXXX Contract that I signed for purchase that this loan would be reported to any of the three credit reporting agencies, mainly XXXX, XXXX and XXXX XXXX. Furthermore, I am not aware of M & T 's practice on sharing my information with third parties. They have not disclosed what my rights are in that matter. I dispute any reporting of any loan commitments with M & T Bank since it was not disclosed beforehand and I did not have the opportunity to study its terms.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I am sending you to complain about the lack of response and cooperation from Bank of America ( BoA ) I reported a fraudulent transaction on XX/XX/2020 for my account ending XXXX. 
Total fraudulent activities on my account : {$3100.00} Claim Number : XXXX I contacted BoA back in XX/XX/XXXX, and started a claim. I received a letter in early XXXX saying that the claim has been closed, because " the account or the claim have been the subject of fraud or suspicious activity ''. The same letter says that " any related reimbursement of fees, has been or will be debited from your account and reflected in your available balance, if any. '' Until this date my issue is not resolved, I tried to follow-up via phone at XXXX XXXX XXXX calling multiple times and waiting on line for more than two hours each time with no answer.

Finally, 2 weeks ago and after waiting for almost 3 hours on hold, I was able to get connected to an agent, but unfortunately she wasn't much of help.The agent 's only solution was that she will send the bank an email and they should send me a letter. Nothing is received as of today. 

We visited, couples of days ago, BoA branch XXXX CA XXXX ) and unfortunately, same response. There is nothing they can do! 

We sent this week our complaint to BoA customer service, and as expected nothing is received! 
We have been going in loops without any progress, and the issues is causing us too much drama and anxiety. The claim amount is the unemployment money, and the lack of response is causing avoidable harm, if they just can do what they promised they would! 

I request that BOA reimburse the credit of {$3100.00} the soonest to my account, since the claim has been closed, and we have been waiting for the resolution for almost 45 days
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

Account was paid off in full and I guess there was a remaining balance of 70 something dollars and when I was informed I paid off in full they put it on my report I spoke to them they said it was a mistake it shouldve been removed account was paid off for years early I spoke to them on several occasions they promised me that it would in fact be removed
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-04
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: Debt Recovery Solutions, LLC (FL)

XX/XX/2020 DEBT RECOVERY SOLUTIONS , LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transfered/sold and i am no longer responsible for the account. 
Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS , LLC has violate my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PORTFOLIO RECOVERY Complaint Department XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to dispute the following information that your company provided to XXXX XXXX. 
The item Reported is a Collection/Charge Off in the amount of {$370.00}. This item is being disputed as an incomplete and inaccurate amount because I do not owe this company {$370.00}. 
PORTFOLIO RECOVERY has reported on my credit report that there is No Reported account type, No Reported date of last payment, No Reported amount past due, No Reported Monthly Payment, A " Highest Balance '' of : {$180.00}, an Available Credit Limit of : {$300.00} and a Credit Used at : 0 %. 
The amount of {$370.00} is incorrect, inaccurate, and incomplete on this account. 

The Date of this account says closed on XX/XX/2012. 
I have no record of owing the amount {$370.00} to this company. I am requesting that PORTFOLIO RECOVERY have the item removed to correct the information. 

I would also like to request that PORTFOLIO RECOVERY stop calling me and harassing me about this debt. Please reinvestigate this this matter and contact the national credit reporting companies to which you provided this information to have them correct and delete the disputed item as soon as possible.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MN)

There are many things that are disturbing about this entire situation regarding the car lease with JPMCB Auto ( Chase Bank ) that I want to bring to your attention : - My car lease was a 36 months for a new 2017 car due at the end of XXXX. I in early XXXX, I called Chase and asked to extend it for six months and, on a recorded line, the gentleman said Sure, no problem. Were doing that for all our clients. '' I've extended many car leases over the years without an issue. 
- So every month since following that call it was paid on time : XXXX, XXXX, XXXX, XXXX with no problem. 
- When I went to pay the lease on XX/XX/XXXX, the due date, the automated system said this account is closed. 
- After talking to countless people, Chase decided ( after taking numerous payments ) I never had authorization to extend the lease so they abruptly closed the account and wrote it off. I asked for the paperwork to buy it several times and they would not give it to me. 
- On XX/XX/XXXX ( after then turning it over to a collection attorney who also could not get the buyout information or any information ), the placed on a my credit report this statement : " Major Derogatory JPMCB AUTO It looks like your account with JPMCB AUTO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. '' That is a flat-out lie and fabrication - Yes, I called them and they were willing to do NOTHING. And they claimed it didn't go magically to credit reporting but it did. My credit rating sank 150+ points from that comment. 
- I believe that there is a precedent in law that basically says behavior validates the contract : In other words, Chase kept taking the money and then falsely reports that it is delinquent and then claims abruptly that it is closed. 

Chase has portrayed me as a a loser a year ago while they got ALL their payments with one late because Choice Bank ( the account linked to their ACH payment ), put an ACH block on the account back last XXXX. Explaining that also got nowhere. People that answer phones are just one level short of automated machines. 

This is not only inaccurate it is literally defamation. Please help.
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. (MI)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update the suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. I need the accounts to be verified in order for me to establish good Credit Scores in my files : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ - - XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a 2-3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
Consumer complaint received 2023-01-28
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)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for a capital one card I done the pre qualify thing they have first because I didnt want my credit run for nothing and have an unnecessary inquiry on my credit they said I was pre approved so I went ahead and applied and was denied the reason this seems awful funny to me is my credit score is higher than my wifes and she has 2 cards through them this is not right at all my score is 29 points higher than hers the government needs to really start punishment on this card companies
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (CT)

I had two unauthorized transactions on my robinhood XXXX debit card on XX/XX/2020 at XXXX est and XXXX est with {$3500.00} and {$1500.00} amount.I have noticed the issue as soonas possible I raised the dispute and case with robinhood at XXXX est on XX/XX/2020 ( ******* ) .I requested robinhood to act fast and block those transaction as those transactions were still showing pending but they did not act hence as of XX/XX/2020 both the transaction showing as posted and my hard earned of {$5000.00} which is my 6months of saving just went disappeared from my robinhood account. 
During this pandemic time I need that money back to my account so that I can withdraw it to use my medical bills and support my family. 
I have attached all the communication with robinhood and all the complaints I had raised for that along with the screen shot of the unauthorized transactions. 
Request you to please help me to get my money backas soon as possible and do let me know in case you need any further information. 
Below are the unauthorized transactions details and my robinhood account details. 

Account Number ( XXXX ) XXXX ( XXXX ) XXXX Unauthorized Transactions 1 : - XXXX XXXXXX/XX/2020- XXXX XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX Unauthorized Transactions XXXX : - XXXX XXXXXX/XX/2020- $ XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

Upon reviewing personal credit report, found entries from Capio Partners. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Around  XXXX     2016  , Commonwealth Financial Systems began r eporting a collection for  XXXX   XXXX   XXXX  for {$680.00}. I believe this was regarding an emergency room visit several years ago.     I do not have any debt to  XXXX   XXXX   XXXX  since my medical insurance covers ER visits. I feel this is probably a moot point anyway sin ce Commonwealth Financial appar ently is not licensed to collect debt in Florida. When I looked up their Florida consumer collection agency license, it stated in capital letters " REVOKED/VOID. '' I have disputed their information to  XXXX  twice and in both insta nces Commonwealth re plied the debt was " accurate, '' although without explanation as to how this was determined. And I 'm not sure how their able to report information to  XXXX  without a valid Florida license.