davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MD)

Hi it was been almost 6 months I am involved with a item from XXXX for {$1300.00} under credit card PayPal which working together Synchury bank. I explained to them that machine was broken and they must refund the items money to their account but they kept me away from issue by telling me wait wait we put dispute and they are under wastage. I wait and called every months three times. Again and again PayPal credit and Synchrony bank belam each other and said to me its our not responsibility its synchrony bank responsibility and they said its paypsy ctedit responsibility. When I call to them two employees answer my phone and said already refund its here and money its here in your account but when she connected me to manager he yelled in me and said who said that the money refund and disrespectfuly shut the phone on me and didnt call back to say sorry for disconnecting. He said you must wait for another 90 days because the case its under vastagation. I wait and I wait another months I called again one day they said money its here but its takes time to go to account. You must pay your regular payment until this issue solve. I called to XXXX XXXX the place that purchased. I connected to him and he said already this money deducted from our account. But PayPal and synchrotrony bank dont want accept this I attached his email. They ended up that case its under favor of seller while seller says they already deducted money. Now they not okay deducted their money and its in their account but also ended up case to seller favor and put me under charge for {$1300.00} while I called many times they said you must wait 90 days passed from dispute they kept me away to finished the process and close the case. Because I cant rich my voice to any responsible person. They taking of my language when I called as second language.please support me help to stand up for my right because I am against two powerful business companies that taking of my language and since I am woman they not listen to my voice. Please help me while seller get back his item and bank get back money in their credit company and bank they want charge me for nothing.
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

I have submitted many complaints against Wells Fargo Bank. I would just like to submit more documents to support my allegations against the fraud and deceptive practices of this financial institution. 

XXXX XXXX XXXX
Consumer complaint received 2018-09-26
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 (TX)

American Express is sending out upgrade offers for their XXXX XXXX card. The offers range from XXXX points to XXXX points. For some reason, I was only target for the XXXX offer, despite being a member for almost 30 years and spending well over $ 100K a year. I was interested in upgrading my card, but did not want to take the lesser offer, so I decided to call American Express to discuss my options. Amex CS transferred my call to Membership Consulting in XXXX, FL. After going back and forth with the rep, I asked to speak to a manager. The manager ( XXXX ) promised to call me back within a day or 2. She never did, so I called Amex and filed a complaint about XXXX. Few days later I got a callback from XXXX who promised to look into the situation and let me know within 2 days. She said she had some contact at American Express who might be able to help us. She didn't call back as promised but did call the following day and left a VM. She claimed that she was still working on it. Few days passed without hearing back from XXXX, I called back only to find out that she was on vacation. 

Membership Consulting in XXXX, FL needs to be investigated as most of the reps don't help and they try to cover for each others.
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

To Whom It May Concern, I am writing you today and attaching this to my credit dispute. I had a bill that went to collections that I paid immediately because an apartment I was attempting to get with my wife, found it on my credit report. It is from the Agency Client ERC Account ending in XXXX. I never once was given a final bill calling for the {$100.00} that I owed them as well as a overdue note or notice of delinquency. If I would have known to dispute this before I paid it I would have, unfortunately I did have to pay it off as well in order to get the apartment itself. Thank you so much. 

Sincerely, XXXX XXXX I wrote this dispute letter to XXXX and submitted the dispute on X/XX/2017 and have yet still not received any information or resolution. I was told it would be ready in XX/XX/XXXX, I have checked it every month waiting for an update, but there is none. As far as my understanding they have no more than 45 days to finalize the dispute. The only reason I knew that I owed the {$100.00} was the call from the collections company, never a final bill from XXXX themselves. I paid the balance immediately hoping it would resolve everything, unknowingly it would actually stay on my credit report and continue to hurt me.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-04-06
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: FIFTH THIRD FINANCIAL CORPORATION (MO)

I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is. This inquiry was made on XXXX2017
Consumer complaint received 2021-07-20
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. (CA)

I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Equifax on XX/XX/2021. The 1st account is from XXXX XXXX  and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Equifax within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Consumer complaint received 2018-09-26
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: Experian Information Solutions Inc. (TX)

I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XX/XX/XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XX/XX/XXXX for an account paid in full in XX/XX/XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.
Consumer complaint received 2018-09-26
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: EQUIFAX, INC. (TX)

I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( Experian, XXXX and XXXX ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) Experian, XXXX and XXXX are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TN)

I am writing this due to non compliance with the furnisher of information reporting identity theft items to the CRA 's. American Express have failed to remove information that has been identified as identity theft. I have attached supporting documents ie police reports, identity theft reports, and proof of identity all sent certified mail to American Express. I strongly believe that they are in violation and are outright refusing to uphold the law. I am XXXX and I am XXXX.
Consumer complaint received 2018-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (OK)

On XX/XX/XXXX I called in to make payment iao of XXXX the rep at the time didnt inform me that part of the payment would be applied towards fees and not the actual payment it caused me to get further behind every one there at first investors states there is nothing they can do and I believe that is a lie
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2018 my checking account was hacked in amount of {$440.00}. 00 and credit card was hacked in amount of {$500.00} by someone using XXXX App. 53rd Bank Fraud Department alerted me. Filed a verbal claim at that time. Went to bank an put a stop on both accounts. Fraud Department denied my claim said it was my fault. So I filed a dispute an they denied it. Saying they could not determine I didn't give the hacker my account information. My next action law suit.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

on XX/XX/XXXX you closed our Savings Account without notice, and never sent our money to us. total of {$120000.00} plus the interest owed for the month of XX/XX/XXXX, plus the {$5500.00} deposit you cashed on XX/XX/XXXX from XXXX XXXX  ( XXXX ). ( This has been verified you cashed this deposit by XXXX XXXX  on XX/XX/XXXX while our account has been closed by you. We contacted you on several occasions the last week and a half and have been hung up on, said your money is lost, we don't exist and so on .... at this point, this is considered fraud and stealing. we have a copy of the XX/XX/XXXX Statement upon request.
Consumer complaint received 2017-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (FL)

I bought a XXXX phone on XXXX XXXX, XXXX with a down payment of {$51.00} and returned it on XXXX XXXX, XXXX becasue it did not work as promised. XXXX charged my XXXX card {$5.00} for the data usage for two days. XXXX also charged my card {$50.00} for a " restocking fee. '' I disputed the restocking fee with both XXXX card and in an email to XXXX XXXX at XXXX. I have been contacted by XXXX XXXX of XXXX, who emailed me on XXXX XXXX that my account with XXXX is now closed with a XXXX balance. She said she sent me a prepaid card for the refund of {$50.00}, which I 've not received. On XXXX XXXX, XXXX I emailed XXXX back to ask why she could n't just apply the {$50.00} refund back to my XXXX card. I got an email from XXXX XXXX that said she would be out of the office until XXXX XXXX, and I should communicate with XXXX at XXXX. I forwarded my latest message to XXXX and received an email saying he will be out of the office untilXXXX. While the emails between me and XXXX went back and forth, XXXX has sent me bills for {$51.00}, {$100.00}, and a " final bill '' for {$76.00}. 
Yesterday i received a notice from a collection agency, Convergent. regarding the {$76.00}. It is not a legitimate debt. My relationship with XXXX was for less than 48 hours. The phone was returned. There was never a contract. On request, I can mail copies of bills, emails etc.
Consumer complaint received 2023-01-09
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. (NV)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

In accordance with the Fair Credit Reporting act has Receivable 's performance management LLC. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-16
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I went to a Best Buy location to purchase a new XXXX. I made it clear to the employee that was assisting me that I did not want any sort of Best Buy credit issued and that I wanted to pay for the phone with an existing credit card. 
I did not authorize or ask to apply for Best Buy credit either. However, I received a phone call the next day from the Best Buy credit department to inform me that a card had been issued to me. I explained to the person from credit card department that I did not apply for nor requested Best Buy credit and that I simply wanted to pay the XXXX in full which I did. 
The Best Buy employee then closed the account and my credit report now states that my account is in good standing but closed which is impacting my credit score negatively and that it would stay on my credit report for 10 years! 
I contacted XXXX and they told me that was not a fair scenario for me and to contact Best Buy to formally request they remove the account from my credit report which I did do. I should in no way, shape or form be negatively impacted for an error made by an hourly employee and when the item in question was paid for in full with a credit card that I already had in my possession.
Consumer complaint received 2019-02-21
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. (GA)

I have mailed and called both the credit bureau and these two collection collection agency 's who  refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on Equifax Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-26
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: CORELOGIC INC (NY)

On XX/XX/2017 I consented to a hard inquiry at XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, NY XXXX. I left as I was told I could not get an answer that day and to wait for a reply in 3-5 business days for a reply via e-mail or telephone. I never received an offer or answer but the Credco inquiry is showing on my report. I went to the shop and there was no one there to help me. Now I am under the impression that the shop is closed as there are 2 cars on the lot and never a sales person in sight. I want this inquiry OFF my credit report as I consented to the inquiry for the purpose of hearing a finance offer. I called credco and they were not interested in helping me besides telling me I consented to the inquiry and they can not help me so it is up to the company to contact me with an offer.
Consumer complaint received 2021-07-20
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. (FL)

I sent a letter to Transunion on XX/XX/2021 regarding fraudulent inquiries. According to XXXX5 USC 1681c-2 they have refused to block this information from my report within 4 business days of the receipt of my identity theft report. Transunion is also violating 15 USC 6801 as they are violating my privacy and causing substantial harm and inconvenience to me as a consumer.
Consumer complaint received 2019-02-21
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)

Companies and Loan Providers were inaccurate and indirect. I did my part of communication and they failed to keep me up to date. I have resourced my options and want to dispute my enrollment at XXXX XXXX.