davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
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: Resurgent Capital Services L.P. (AR)

I sent a Debt Validation Letter to XXXX XXXX XXXX C/O Resurgent Capital Services. The letter was received on XX/XX/2018 by someone named XXXX XXXX. The letter asked to provide information on an account that is not mine but is showing on my credit report. The company never responded back to my request. In the letter that I sent, it specifically stated that they had 30 days but ignored my request. This violates Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act. After a few months, I sent another Debt Validation letter that was received XX/XX/2018 by XXXX XXXX as well. I received a response back on XX/XX/2018. Instead of them provided the information that I requested, they sent me an " account summary '' that they suggest provides proof of debt. It's not detailed, there is no contract, they do not have my signature on anything. I doesn't even have the address associated with this account. I have never heard of this account in my life and I've never had a XXXX XXXX account.
Consumer complaint received 2020-08-19
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: JPMORGAN CHASE & CO. (CA)

Working with Chase bank, I attempted to dispute a reward point based credit card transaction. They said they would not allow me to dispute the charge since it was point based. The dispute is based on Chase 's internal Ultimate Rewards Travel Service which failed to notify me of changes to a flight. They became aware of these changes as documented by the XXXX  XXXX on the XXXX of XX/XX/2020 and did not attempt to notify me of this change until XXXX of XX/XX/2020. Due to the nature of airline pricing, by the time Chase attempted to notify me, I incurred almost double the cost to rebook a flight that would accommodate my originally planned needs. Redacted information from attachments is below. 
XXXX XXXX Reference number : XXXX Chase Ultimate Rewards Travel Rebooking Itinerary Number ( s ) : XXXX Chase Ultimate Rewards Travel Original Itinerary Number ( s ) :  XXXX, XXXX
Consumer complaint received 2018-09-22
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. (OH)

TransUnion has received three ( 3 ) Identity Theft Reports from me with the names of unauthorized hard inquiries and they do not acknowledge removing them. They have blocked or deleted the fraudulent account but completely dismiss deleting the unauthorized inquiries. My last Identity Theft Report was sent to TransUnion certified mail on XX/XX/XXXX and listed six ( 6 ) unauthorized inquiries. TransUnion dispute results were sent to me in the mail and say nothing about removing the inquiries. The inquiries that should have been removed with the fraudulent account on my Identity Theft Report are as follows with date requested. XXXX  -  XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX -  XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MA)

Hi and good evening - I'm a XXXX years old woman and I been constantly on the phone with XXXX and collections company for the last several weeks. I was looking through my credit couple of weeks back with my family lawyers, and noticed that XXXX company reported an old account that i had returned the equipment back with the balance of {$170.00}. After several attempt to try to resolve this and explaining to them that I had previously paid it, and I just simply went ahead at the local office and paid them off as you can see on the attachment. I talked to the representatives there and on the phone and they said that as long i paid that balance of {$170.00} they will remove it permanently from my credit report. But it continues to appear on my credit report with the balance.
Consumer complaint received 2020-08-19
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. (MD)

On approximately XXXX I sent an investigation letter to Experian asking them to investigate a particular accounts status and requested that if it could not be verified within 30 days that it be deleted. on XX/XX/XXXX I received the results of that investigation from Experian and the outcome of that investigation was that the information could NOT be verified and the account was DELETED from my credit report. When I pulled my credit report mid XXXX the account was deleted from my report. However I recently refreshed my report on XX/XX/XXXX and the account was placed back on my report after I received a letter it was deleted. I had NOT received a reinstatement letter in those 4 months at all. Also the current reporting is INCORRECT and shows I have a balance which I do not. I have proof of payment in full. 
After I initiated a dispute with Experian on their website they then sent me a reinstatement letter 4 months after the fact. This is not following the rules set forth and is harming me in many ways especially during Covid. I have copies of all the documents sent and received and I would like this removed from my credit report as they are not following their own rules
Consumer complaint received 2019-10-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX I bought a home in the same year Bank of America closed on my home but someone other than myself were put on closing documents. 
The title to home is in my name only. 
I have been in a legal battle ever since. 
A judge has ruled that I own home. 
But Bank of America can place a lien on my home. 
In XXXX I was give an amount to pay and based on that amount I put my home on market to sell. But because Im not on loan documents the company Bank of America assigned to this fraudulent mortgage can not help me and I was forced to pull home off market. 
I pay all needs associated with my home. 
I now get notices that reflect an amount that has increased 4 times in over a 3 year period but because Im not on loan documents no one will talk with me to resolve.
Consumer complaint received 2019-11-05
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with KICKOFF LENDING LLC that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to XXXX because the reporting of these late payments are not supposed to appear on a consumers report. 
According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2. 
This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (WA)

i Initially receive the offer for the card at XXXX XXXX so i applied for a discount everything was fine at first this was in XXXX of XXXX i then waited to receive a bill or the card in the mail so i would be able to pay my balace of XXXX dollars i funded on the card. in early XXXX i got my first phone call from cominety bank i picked up the phone and they hung up right after the phone was answered i get about XXXX of these types of calls per day since the first occasion. i tried to call their numbers but the same issue i check the mail daily for a bill or card to log onto their online portal to no aval. Around XXXX XX/XX/XXXX i was finally able to get in contact with the company they wanted me to give my debit card information over the phone to one of their employees i refused due to security concerns and they told me my balance was now well over XXXX dollars and they would be sending it to collections soon i just want to pay this original balance and be done with this predatory company.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (IL)

Had a Sams Mastercard issued by Synchrony Bank. Last four are XXXX. Valid thru XX/XX/XXXX. 

SYNCHRONY BANK CANCELLED THIS CARD WITHOUT MY KNOWLEDGE. 

Synchrony claims my card had been reissued as a SamsMastercard Elite last XXXX XXXX and it had been sent months ago. Never received. They printed the same card and resent it via mail due XX/XX/XXXX. Never received. They did cancel my Sams id number. Got a new one.

SYNCHRONY KEEPS BLAMING THE POST OFFICE. 

Reordered card to be delivered via XXXX. 

Credit score is over 800. XXXX XXXX in full. 

Perhaps Synchrony is not making enough money on my card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-30
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: DISCOVER BANK (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

Nationwide Credit , INC has sent out several confusing letters attempting to collect a dent for XXXX XXXX in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. Nationwide Credit , Inc is a debt collector but XXXX XXXX is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with Nationwide Credit , Inc and give them permission to have my information.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

On XX/XX/XXXX, I was sent a letter from XXXX XXXX XXXX. 
I have never done business with this bank. 
They say that they paid my property tax in error. 
They want me to refund them {$1800.00}. 

I pay my property taxes through escrow with my mortgage company PHH Mortgage. 

I have contacted PHH but they just send an Acknowledgment of Correspondence letter and say they will review the correspondence and usual response time is 30 days. They do not provide a direct contact. 

This appears to be fraud but if it isn't why should they be asking me for the $ and not the mortgage company they do business with? I pay escrow, that's where my tax $ is. I do not have this money sitting around.
Consumer complaint received 2023-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Below is the email I sent explaining my issue with Truist : In addition to the issue explained below, I received a tax form from them, which listed over $ XXXX in principal due, which is incorrect. 

I believe this institution is predatory - looking to deceive old and minority customers with practices described below. Not to mention the previous issue we had around them trying to convince us to select 'interest only ' repayment when we opted for 'fixed ' repayment. 'Interest only ' repayment would have made this loan unaffordable and likely lead to us losing our property. I believe they made this recommendation to do exactly this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I began my banking relationship with Truist, Ive experienced nothing but issues. 

The latest issue is around how payments on my HELOC have been/ are being applied. 

If you look below, you will see that we should be on a fixed repayment schedule - 30 year term with monthly payment of {$970.00} to be applied to both principal and interest. 

Whats actually happening is not this and I need answers ASAP. I tried engaging XXXX  and XXXX copied on this email but still feel as if Im getting the run around as no solution has been reached. 

For XXXX - XXXX, I owed a balance of {$72.00} for interest accrued. I made this payment. 

For XXXX there was no payment due on the account, but I remitted {$970.00} in XXXX, which was applied to principal and interest ( ~ {$700.00} to principal and ~ {$200.00} to interest ). Unclear for what month this payment shouldve been applied to but if no payment was due in XXXX, this shouldve been applied to XXXX. 

My XXXX through XXXX payments were applied to interest only- all {$970.00} applied to interest. 

My XXXX payment was applied to principal and interest but this time ~ {$800.00} to interest and ~ {$150.00} to principal. ( Reverse of how my payment made in XXXX was applied ) This is very inconsistent and not what Id expect for a fixed repayment schedule. 

XXXX XXXX XXXX XXXX XXXX XXXX Email referencing in note above ) On XX/XX/XXXX, at XXXX XXXX wrote : XXXX, good morning. I am happy to share that your HELOC has officially been locked with the following terms : Loan amount {$180000.00} Rate 4.75 % Term 360 months ( 30 years ) Monthly payment {$970.00} XXXX, as of today your HELOC has accrued interest of {$72.00} which needs to be paid today, as well as a 1 time rate lock fee of {$15.00}. With your authorization, I will debit your checking account in the amount of $ XXXXand that will conclude this process. 



Thanks again XXXX and have a wonderful day. 

XXXX XXXX XXXX / Vice President
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I went to the Dr on XX/XX/, my copay was {$100.00} with XXXX XXXX  as per my XXXX  XXXX policy XXXX plan # XXXX which i paid at the time of service. a couple of months later XXXX XXXX sent me a bill stating that some weird insurance company paid some money but not all of it. I write to XXXX XXXX twice without a response advising them that it appeared they billed the wrong insurance company and that my copay was supposed to be {$100.00}. I never heard back from XXXX XXXX on either of my letters. today i received a demand for payment from a collections agency I.C. Systems XXXX XXXX XXXX. XXXX XXXX MN XXXX demanding payment of {$79.00} which i do not owe as i paid my co- [ ay at the time of my visit as per my XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Sigue Corp. ()

Dear Sirs, I went to XXXX XXXX XXXX money transfer agent which located in XXXX XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX to mail {$2200.00} to my account in XXXX. But until now I'm not get the money, i complaint right now, please supervise XXXX XXXX XXXX and Sigue Corp. transfer my money to my account which i gave to them and help me get my money. 
All documents in the attachment You are appreciate and looking forward reply! 
Best regard! 
XXXX
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express Platinum XXXX card in XXXX of XXXX. This card came with an anual fee of {$550.00} which I paid in XXXX, XXXX. The anual fee covers the benefits until XXXX, XXXX. American Express has decided to cancel this card without notifying me and for no good reason ( no late fees, no bankruptcy, everyday purchases ) and I find myself unable to use the benefits I paid for in XXXX, XXXX that were supposed to be covered for a year. American Express has basically taken my money and closed the door in my face.
Consumer complaint received 2019-11-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid 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 (NC)

Transaction ID XXXX was denied even though I let PayPal Dispute know that the item was never received, a bogus label was recreated, and I let the company know days before shipping that the Array would not fit my XXXX  XXXX XXXX. I emailed the company several times, but my emails were ignored. This company did not let me know the order was coming directly from XXXX. I do not want any items, products, mail directly from XXXX in my home at this time. 
PayPal did not notify me of this case being closed in the favor of the seller. 

Invoice ID XXXX PayPal Dispute is closed and can not be reached by phone or via email. The dispute was closed on XX/XX/2020 and no one notified me via email of this decision in the favor of the seller.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

I received a bill under previois married name from 2007 that i was unaware was even associated with me. The collection agency is Convergent in XXXX Wa. I've only recently signed up for XX/XX/XXXX in the past 3 months. Upon numerous attepmts to speak with Convergent ( any info I enter sends me to voicemail saying there's no one available to speak to ), i got ahold of XXXX. The representative told me this was from 2007 and in my previous married name. I explained i wasn't even aware of this account and if the debt was from 2007 how the XXXX are they attempting to collect more than 12 years later. The letter offers a 3 payment options and states they are not required to offer this to me and if i dont comete 1 of they're options ( or contact them ) they will proceed with further action.