davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I was charged $XXXX  for shipping on a pair of shoes using XXXX on SundayXX/XX/2019. The person selling the shoes contact me via social media (XXXX XXXX XXXX) and had told me that I had to pay for shipping and that I could do that through XXXX. He gave me the information I needed to process this payment, I then realized that the person selling the shoes was a scammer and in fact I was not going to ever receive any shoes. I processed the payment through my bank mobile app that provides the use of XXXX. Being a first timer, I thought I had protection and ability to get this money back or at least cancel the payment from processing the payment placed if anything like this happened. My bank, Bank of America is not willing to help cancel the payment or refund me this money and would like to receive help to get this money back.
Consumer complaint received 2018-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Student Aid (USA) Funds (AZ)

USA Funds did NOT address my issue at all. I asked a statement showing how my tax refund offset was applied to the defaulted loan ( principal and/or interest ) and they failed to provide evidence. The figures on the attached pdf do NOT match the figures on the department of education 's website. I have statements/evidence from the original loan holder showing how much the loan was sold to USA Funds for and this does NOT match with the figures on the attached pdf. USA Funds has failed to provide any evidence and is using false information in the attached pdf.
Consumer complaint received 2021-05-07
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. (TX)

I have reached out to TransUnion Consumer Relations several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XXXX. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc (OH)

Synergetic Communications Inc. ( SYNCOM ) and XXXX XXXX XXXX in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NY)

On XXXX I sent a letter about inaccurate & false reporting things on my credit report. it has been over 40days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 40days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (GA)

On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l
Consumer complaint received 2022-04-28
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: Exeter Finance, LLC. (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy.

15 USC 1681 section 60 for a section 2 ; is it also states of consumer report agency can not furnish an account without my written instructions.

15 US C1666B : A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears has reported a medical collection account for $XXXX on my credit.  I have NEVER received any written notice, phone call or anything about this bill and it seems extremely odd considering I have 3 medical plans that cover me.  1- XXXX, 2- XXXX XXXX, 3- Veterans Administration.  They have made no attempt to contact me regarding this so I don't even know who the original creditor may be.  They have made zero effort to validate this debt.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are two accounts on my Experian XXXX and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NC)

I closed my credit card account, by phone, on XXXX. I was moving, told the agent my new address and asked for my final statement to be mailed to my new address. I never received the final statement. 

Approximately XXXX I received a statement with both late fees and interest but no detail regarding the purchases. On XXXX, following the instructions on the back of my statement, I sent a letter disputing the fees and asked for a statement detailing the charges. 

XXXX. I called, asked them to stop charging me interest and please mail a statement with subject charges. I still had no idea what charges I allegedly had made. 

XXXX. I received another statement with more fees and interest but still no detail regarding the charges! 

XXXX. Received statement detailing charges. I saw charge from a fraudulent web page that changes your address. They don't tell you they charge {$40.00} for a free service! 

XXXX. I sent letter disputing the fraudulent charge and the continued fees. 

XXXX. Received a letter saying they are investigating. 

XXXX Received a letter denying my claim because I took too long! They never respond and I took too long, insulting! 

XXXX I sent my last letter with a check to cover the 1 legitimate charge to my account, my cell phone bill. I told them I had no intention of paying any more, ever. 

XXXX. I received another denial letter which I returned telling them I'm filing this complaint. 

It comes down to them being negligent in forwarding my statement and then denying my claim against one of their deceptive vendors, blaming me saying I took too much time?
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (NY)

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (PA)

Have not been able to access the PA Eppicard website to look at child support amount for over a week now. Customer service has been zero help. Calling for balance charges you. The site needs to be accessible to check balance and transfer funds! I know I am not the only one having these issues. So I don't understand how they have not addressed this issue!
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MI)

I purchased a smart tv, when I found a great deal at XXXX XXXX. I found their advertisements to work really good for me. 
Sign up for zero % interest for 24 months and get an extra 15 % off XXXX XXXXSynchrony Credit Card. 15 % credited back to your credit card. 
I have called, and I have emailed this credit card comapny they told me it would take a few payments to give this 15 % credit. I purchased this tv XX/XX/XXXX! 
My last contact with this company was to both XXXX XXXX XXXX and Synchrony Credit Card XX/XX/XXXX and XXXX, XXXX. 
I have been ignored and given nothing but the run around. I still haven't heard anything from either company since!! This is totally unfair and fraudulent. 
Please help Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (KS)

I contacted Lvnv funding / XXXX XXXX  after months of them collecting XXXX $ in recurring payments from my account to pay a debt off. I am currently working on my credit and they stated over the phone the amount of XXXX $ would settle the account and a letter would be sent via mail within 7 to 10 business days from the date the payment was made. No letter has been sent and they falsely still have an amount showing on my collection on my credit reports. I have stated to them this has stopped me from bettering my credit and they still choose not to correct the issue.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

SOUTHWEST CREDIT SYSTEMS is trying to send me a charge for an overdue cable bill, from 5 years ago, at which time we settled the bill. The charge is for 3 months after I moved out of the apartment - after the connection was disconnected. I disputed the same charge with a different collections agency 1yr ago and got it successfully removed, and now it is back again on my credit report.
Consumer complaint received 2021-01-26
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)

I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX 2XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5XXXX Account XXXX
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have paid my payments on time with XXXX XXXX XXXXXXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.
Consumer complaint received 2021-05-07
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. (TX)

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are racially motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 

This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I mailed a letter to XXXX XXXX, Wells Fargo, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. Neither of the companies replied to my letter, and neither one of them complied. I have attached the letter that I mailed each company on XX/XX/year>.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I opened a dispute in XX/XX/2021 for charges I was assessed by XXXX and XXXX marketing after numerous attempts to dispute with the merchants. I canceled all ads and marketing but yet was continuously being charged. After attempting to resolve it with the merchants I opened a dispute with USAA my bank. I never received any request to provide information. I logged in today to see that my account had been reversed with the charge. I called immediately and was told additional information was needed and I promptly provided it. With the XXXX, my mail is often delayed and we have a shortage of XXXX XXXX XXXX in my community and share a mail box. I was told that it was in the mail and promptly requested to reopen because it was same day. I turned over all documentation to support even proof that it was canceled. I was told that the dispute was reopened. Pursuant to https : XXXX1005/11/ # b-3 section ( c ) ( iii ) if there is an open dispute investigation the funds are to be issued for a provisional credit until it is resolved. The funds were never reissued and I was just told basically wait for a resolve from the investigation but be financially penalized even tho I provided overwhelming proof of the cancellation, the date and even me challenging the merchant Numerous times.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC (MN)

Received a Robo Call from XXXX, an Illinois number, but the message stated it was Weinberg Mediation Group ( according to their website, based in New York ).

Message states, " This is a final courtesy call from the Weinberg Mediation Group. Before reporting that you've been uncooperative in the investigation against you ... '' ( pause ) " If we do not hear from either yourself or your legal representation today, we will be left with no recourse other than to report your noncompliance with this issue to the proper jurisdiction. Our office number is XXXX. '' ( repeats number ) The number in the message also does not match what is on the Weinberg website so I did not call it back.
Consumer complaint received 2021-05-07
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: CITIBANK, N.A. (PA)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

XX/XX/2021 my bank accounts where blocked. Fraud dept was contacted by banker at branch. I was told that letter by mail was the only way to verify my identity. It is now XX/XX/2021, and have not received so called letter.
Consumer complaint received 2021-05-07
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: JPMORGAN CHASE & CO. (PA)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I sent my XXXX and XXXX payment via XXXX XXXX, see attached and it arrived at PHH at XXXX am XX/XX/XXXX signed by XXXX, it is XX/XX/XXXX and it has still not posted to my account. I have called there times and I am told not to worry. I have emailed a relationship manager named XXXX XXXX, there times and received not One Response. I included an email titled XXXX. I got a template response stating they will get back to me. When I called on XX/XX/XXXX and spoke with an agent, I asked to speak with a relation manager and he said I had to set up an appointment through him, I laughed, the next appointment available was XX/XX/XXXX. I stated that my question regarding my payment would be resolved by then or at better be resolved. PHH is such an awful, disgraceful and dishonest company.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

Security deposit was returned in full and no actions were taken until the property was sold to a new owner. At the time of sale the previous owner decided to fraudulently ask for more money. Collections agency alleges that the debtor owes {$530.00} from a lease that ended on XX/XX/2020. When asked for a statement of charges agency furnished a statement with charges dated after the contract date of XX/XX/2020 ( XXXX ). All charges after XX/XX/2020 were the responsibility of the property owner. Collections agency is requesting a laundry list of items be completed at the expense of the debtor in order to clear the charges.