davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (PA)

I had several open lines of Credit, Synchrony bank today closed all lines, My Carecreditt XXXX with XXXX balance, my Guitar Center Acct XXXX ... XXXX balance, my XXXX XXXX XXXX XXXX XXXX Balance ... my Mastercard PAypal ... with XXXX line of credit XXXX balance currently, my PayPal Credit XXXX line of credit ... XXXX balance ... all act, my Dicks Sporting goods card XXXX line of credit XXXX dollar balance currently ... all accounts are paid current, my XXXX XXXX XXXX score is XXXX and I spoke with them and was told by all 3 credit reporting agencies Im ni good standing, with exceptional paying record, my income is over XXXX ... yet Synchrony shut all my accounts down, and said it was because im a high risk??? and poor payback potential via XXXX XXXX report?? ''?? '' thats a lie, Carecredit, Dicks Sporting goods, Guitar Center, XXXX XXXX accounts have all within past few weeks given me a line of credit increase ... as verified by XXXX XXXX report uploaded
Consumer complaint received 2018-02-13
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. (GA)

In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Trans Union then alleged to have verified my public record information with XXXX and the US Bankruptcy  Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Trans Union or any Credit Reporting Agency. 
The only clear thing is that the Trans Union is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of  any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Trans Union. I humbly ask for assistance in having this information deleted from my Credit file at Trans Union.
Consumer complaint received 2022-04-30
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. (SC)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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. Also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service (NY)

Action collection XXXX idaho. They have added over XXXX in interest violating the fair debt collection practices act. This was a utility bill from XXXX XXXX and I've contacted the XXXX police and I moved out on XX/XX/XXXX but was charged till XXXX XXXX XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (OH)

I first noticed a collection account from Fidelity Collection on my credit reports alleging that I owe them {$250.00}. I sent them a dispute on XX/XX/2021 asking among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I owed them. After not providing sufficient evidence, I sent a Final Goodwill attempt on XX/XX/2021, restating my claim and reasking for the contract or evidence that this alleged debt was mine. I understand with federal and state law, under the FDCPA, FCRA, HIPPA and others, that consumers have rights, particularly, to have alleged debts be verified.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have requested several time for Portfolio Recovery Associates, LLC to provide me with validation of debt for my signature in regards to accounts that they said was sold to them. XXXX XXXX {$470.00}, XXXX XXXX XXXX {$360.00} and XXXX XXXX {$510.00} I have contacted them several times to validate the debt with accuracy of the account. Account rep on XX/XX/XXXX, XXXX XXXX and XXXX XXXX told me that it does not matter of the debt to be verified and they have all the information they need. I have beeing trying to validate this debt since XX/XX/XXXX, on XX/XX/XXXX I request documents to validate and it is XXXX XXXX and I still do not have the required documents. XXXX told me she is aware it is pass 30 days for validation and said this conversation is not going anywhere and asked if there is anything else I wanted. That was very bad this to say. 

They are also sending letter to a person address that I know and I do not live there. I have asked them several times to please stop sending mail to the wrong address, the person says they feels violated. 

I asked them to please validate this bogus account or delete but was told they will continue to call and send out information without validation of anything.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (FL)

I had a Wells Fargo credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

I requested a payoff statement from my mortgage company AmeriHome Mortgage ; dated XX/XX/22. 

The interest reflected in the payoff statement is from XX/XX/22 - XX/XX/22 ; in the amount of : {$1200.00}. 

This means each day I'm charged interest in the amount of : $ XXXX XXXX = {$41.00} is charged daily for interest. 

I went to my bank on XX/XX/22 and wired the payoff amount to AmeriHome on XX/XX/22. 

My mortgage was paid off as of XX/XX/22 I'm owed back interest amount from XX/XX/22 XXXX = 28 days I was charged interest for days after I paid off my mortgage and wired the payoff amount to my mortgage company and was never refunded for that amount. 

I'm owed $ XXXX * XXXX ( XX/XX/22 - XX/XX/22 ) = {$1100.00} AmeriHome Mortgage charged me interest on a mortgage which I paid off as of XX/XX/22 and has kept that amount and has not refunded me the interest amount that's owed back after paying off my mtg. This is fraud.
Consumer complaint received 2022-01-13
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$440.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXE XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-30
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: V and H Portfolio (TX)

I am a victim of identity theft. A company called Vance and Huffman LLC added a fraudulent account to my credit profile on XXXX, XXXX, and XXXX. I immediately called them and told them that this account was fraudulent. I asked them to send me any paperwork that they had that I could turn over to the police to help them better their case in finding who has been using my identity to gain access to my credit. The company refused to do so and will not remove this fraudulent account from each Credit bureau.
Consumer complaint received 2020-01-25
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: Experian Information Solutions Inc. (NV)

A Fraud Alert was added to my Experian credit file without my consent, Experian has refused to remove this fraud alert after multiple requests. I am also unable to call Experian as the company has blocked my phone number since last year.
Consumer complaint received 2018-02-10
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MD)

In XX/XX/2005, I co-signed on a loan that my mother was taking out for my education but I was only XXXX at the time of signing the document. That is not a legal age for signing a document. I have spoken to Navient over the last 10 years explaining that to them. They stated that I am still responsible. In addition, my mother as the borrower has struggled to pay back those loans and Navient has harrasssed us and forced us into forbearance a number of times. Now the two loans we received at XXXX each are now at XXXX each and are sitting in my credit as charge offs. I cant buy a house now and I think its unfair that I am responsible for a loan that I never could legally co-sign.
Consumer complaint received 2021-11-10
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. (TX)

The company XXXX has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc. (NY)

On Monday XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from Alliance One at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me
Consumer complaint received 2018-10-04
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: Ditech Financial LLC (TX)

Review of recent credit reporting ( XXXX  Report # XXXX ) indicates Ditech has reported my account delinquent XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 150 days delinquent ), and XX/XX/XXXX ( 180 days delinquent ). However, the loan was on an Active/Performing Unemployment Forbearance Plan. The Unemployment Forbearance was submitted XX/XX/XXXX and approved XX/XX/XXXX effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. Ditech erroneously cancelled the Unemployment Forbearance Plan on XX/XX/XXXX due to the automated process of a Loan Modification Solicitation being mailed. A complaint was filed on XX/XX/XXXX and Ditech remediated the error and obtained approval from the Investor XXXX XXXX for an extension of the existing Unemployment Forbearance. Correspondence was received from Ditech ( XXXX XXXX ) dated XX/XX/XXXX indicating the Unemployment Forbearance Extension was approved effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. The loan was under Error Resolution review XX/XX/XXXX through XX/XX/XXXX. Unemployment Forbearance payments were Paid as Agreed, as stipulated XX/XX/XXXX through XX/XX/XXXX. 
The credit reporting account status should have been reported as Active Forbearance -Paying as Agreed XX/XX/XXXX through XX/XX/XXXX. According to 12 CFR Part 1024.35 ( b ) and ( i ) Regulation X of the Error Resolution Procedures the Mortgage Servicer ( Ditech ), after receipt of a notice of error, a servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. Therefore, the loan should not have been reported as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the loan was under review for the complaint filed XX/XX/XXXX. The loan was also brought current XX/XX/XXXX in the amount of {$7.00}, XXXX and should have been reported as current for XX/XX/XXXX. In addition, the Investors ( XXXX XXXX ) Credit Bureaus Requirements ( C0-4.1 ) also require the Servicer ( Ditech ) to provide a complete and accurate full- file status report for all mortgage loans to each of the four major credit bureaus describing the exact status of each mortgage loan as of the last day of each month ( delinquent mortgage loans including 30, 60, 90+ day delinquencies, forbearances, modifications and liquidated mortgages ). ALL credit reporting bureau information ( XXXX, XXXX, and XXXX ) is required to be updated accordingly.
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I am writing this letter to Synchrony Bank and enclosing evidence to show The negligence of Synchrony Bank. I am experiencing a double charge to which Synchrony refuses to fix. I have worked along with ParkWest galleries to try and fix this issue. and Parkwest issued a letter stating I was double charged and will be working on it with SYnchrony. Thus far, nothing. They did say however, It is a Synchrony Bank issue. My following proof is numbered by me and circled in every top right corner of the page. Highlights are in my notes, with each piece of document that I have presented to you. 

1. my invoices of my paintings that I purchased on XX/XX/2023. Since this date I have not made another purchase with ParkWest or use a Synchrony Credit Card.

i. I put on a loan with Park West, nothing to do with Synchrony Bank. 
ii. the remaining balance was {$24000.00}. 
1. {$20000.00} To Synchrony Bank credit card 2. {$4100.00} to my XXXX XXXX XXXX XXXX 2. my Loan contract with Park West that has nothing to do with Synchrony Bank . 
3. financed paperwork minus my downpayment. 
i. {$60000.00} purchase price ii. Minus my downpayment of {$12000.00} iii. Equals My debt with Park West not Synchrony {$48000.00} 4. Another breakdown sheet and my credit card payments to Park West Debt, not Synchrony. 
5. I highlighted my payments. 
6. My credit card statement ( s ) that show exactly what I paid. 
7. As my paintings were received by me I received my first portion of Parkwest Synchrony Bank debt of {$7600.00}. Date XX/XX/2023. 
8. My last payment to my Parkwest Synchrony Credit Card of {$12000.00}.

a. If you add the two amounts, guess what, it comes out to {$20000.00}.

b. Look at the bottom of the page, under payment summary, it matches the total of {$20000.00}.

9. I was charged again for {$12000.00} taking my Synchrony Credit Card to a {$32000.00} debt. This is an erroneous charge. I was charged twice for the same painting.

10. I have called several times and even changed my card and called and had my account reviewed over and over and Synchrony refuses to fix the issue 11. I have made some payments in the process as you can see. From your webpage 12. My sales draft and promotional terms for my Synchrony Bank card, {$20000.00}.

13. Some emails that I am in communication with Parkwest. If you read their letter, It shows once again that I was charged double for a piece of art at the total disputed amount of {$12000.00} After my emails with Parkwest, I received an email from Synchrony sees this as a unique and not a duplication. This is absolutely ridiculous. I would like to receive a courtesy phone call to discuss this matter further. XXXX XXXX XXXX
Consumer complaint received 2021-10-26
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 (CA)

This issue relates to how Bank of America Fraud Department handled one specific fraudulent charge in my fraud claim. 
1. BofA did absolutely no follow up or due diligence on this specific fraudulent charge ... no request for a chargeback from the merchant, no call or query to the merchant. Yet during my calls with the bank several representatives stated that they had followed up with the merchant. That was untrue, something that became clear much later 2. Despite the complete lack of investigation or information, the bank denied my claim for this charge, twice 3. I personally spent many hours, 16 frustrating calls with long hold times to BofA, and several calls to the hotel to investigate on my own 4. I had to personally arrange for a phone meeting between myself, BofA, and the merchant general manager to break through BofA 's stonewalling and its broken business process 5. I also had to submit a formal complaint to BofA 's Chief Client Care Executive ( XXXX XXXX ), see website : https : //www.bankofamerica.com/customer-service/contact-us/feedback-form/ 6. 

Only after all of this did the bank finally agree that this charge was fraudulent and issue a credit. 

I've been a loyal BofA customer for over 40 years until now. This experience goes beyond betrayal. No more. If anything, the bank should pay me for the 15+ hours I spent doing the investigation that they should have done. 

It is an absolutely abusive practice to deny a claim for a fraudulent charge without any investigation for the specific charge.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (MD)

Then problems that I have with this bank is their inefficiency to fix this horrible website. I have written them I have called them, I have complained at least 20 times about the problems getting into their website. Nothing works, passwords do not work, security questions they ask to be answered are not questions you ask to be answered. Then they give you 2 times to make a mistake and if you do not get it right, they suspend you. They throw you out of the site. This has been going on for more than 2 years. I deal with over 10 other banks and large corp, PNC Bank is the worse company I have ever dealt with and, they know who I am with my many complaints. Will they correct it? No, they will not correct it. I have asked them many times, Is the head of your IT dept a relative of the CEO? Why can you not get this right? It is a problem signing into their sight every month and nobody does anything about it. It is easier to sign into the Treasury dept of the United States than this bank.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

Community Bank calls me on Sundays and after XXXX on a daily basis and as early as XXXX est. The calls are annoying and beginning to be involved in harassment. They call at least 10 times a day. This is call harassment and I would like it to stop immediately.
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions (CA)

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

4. TSC A/R Solutions/ Original Creditor : XXXX XXXX XXXX $ XXXX/ First time contacting this agency was XX/XX/XXXX. Sent me a print out provided me no signature for this debt. I also contacted the HIPPA office on XX/XX/XXXX. Received no reply. 

The latest letter I sent was on XX/XX/XXXX.