davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: Synovus Bank (LA)

I made a payment to First Progress by phone on XXXX/XXXX/2020. The only other way to pay is via XXXX  XXXX  or through my online banking. There is no way to pay directly online. This means that in order to prevent the payments from arriving late, I have to make the payment 2-3 weeks prior to the due date. That is not always possible for me because of cash availability and should not be a requirement. When I called to make the payment, I told the representative to collect the {$10.00} fee that they charge to make payments over the phone. I believe that {$10.00} to allow me to make a payment is excessive, but I didn't want to pay any late fees or have a late payment reported to my credit report. The representative did not take add the {$10.00} fee to the payment I made which left a {$10.00} balance that I was not aware of until I had a 30 late payment. I called to have the issue resolved, and they required me to send a letter. I sent a letter via us mail and they replied via us mail that the information is correct and they will not be making any changes to my account or to the reporting of my account. 

I don't understand why I am being punished for the error of the representative I paid {$10.00} to take my payment. I never checked because I believed I had a {$0.00} balance and had not used the card again. This inaccurate reporting is directly negatively impacting my quality of life. I talked to a friend of mine that told me a lot of people are suffering because of what first progress is reporting and the neglectful customer service we are receiving.
Consumer complaint received 2017-12-13
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: CITIBANK, N.A. (WA)

I had made a purchase with Best Buy with 12 months same as cash. My balance was at roughly {$4.00} beyond my 12 months and was not notified at the XXXX calendar month once I changed my address with a customer service representative at the store after I moved. I went to use my card for another purchase believing my balance was at XXXX ; and was informed my card was ( for lack of a better term ) invalid. I recently found out that my credit was being effected by a {$4.00} balance.
Consumer complaint received 2020-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (IN)

I have contacted United Wholesale Mortgage over a dozen times ( Since the Spring ) and they keep saying that they are getting ready to send the escrow payments for my property taxes. Last week, the lady said, " They just sent overnighted it to make sure it got there on Monday. '' So I waited another week and I just called today and they still hadn't sent it out, I don't know what else to do and I'm already really late on my payments. Please help! 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-10
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. (FL)

I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WA)

I have been a discover card holder for 10 years. During the time, my identity was compromised and I repeatedly had problems with usage of my card, name, SSN, among other pieces of information. I hope Discover is doing what they can on their end when it is happening with Discover card. 

On XXXX XXXX, 2020, I received a call from Discover card saying that someone was attempting to use my credit card at a hotel, XXXX  XXXX in XXXX, WA, for {$2100.00}. I informed them I was in XXXX, WA ( 100+ miles away ) where I live and that the charge was fraudulent. Discover closed the account and sent me a new credit card as promised. 

On XX/XX/XXXX, Discover rebilled my account for {$2100.00}, claiming the XXXX  XXXX had my driving license information. I will attempt to contact the Driving Licensing center as soon as I can, but they are very slow at the moment due to health concerns. I believe someone has obtained my information somehow. 

Due to needing to use my credit during the ongoing crisis, I have paid the charge rather than withhold the payment, but I expect Discover to refund me and to look into this. 

I have filed multiple police reports. The latest report number is XXXX ( it contains all the previous information ) with the XXXX, WA Police Department. The officer promised to look into photographs from the hotel. 

I have contacted multiple departments at Discover including the executive department. I keep receiving the same information about XXXX  XXXX having my ID information. As mentioned, my information has been compromised for some time and I can document I was not in XXXX, WA.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2022 I disputed XXXX charges and won XXXX of them because the merchant decided not to challenge some of the disputed charges. The XXXX charges that the merchant fought were reversed in the merchants favor several times by capital one improperly and without standing. The first time it was reversed, capital one alleged that I didnt respond to their request for information in which case I filled out a pre-formatted billing dispute form stating I didnt receive a service, how I attempted to reach out to the merchant, and what the resolution was. On XX/XX/XXXX, Capital One sent an electronic letter in which they made bizarre requests such as requesting a second opinion on company letterhead from another merchant in the same field that states how the service was defective and a statement that includes the number of times the merchant tried to correct the problem. I believe that Capital One has created a process that is not consistent with the Fair Credit Billing Act and have purposely made the dispute process so convoluted as to deter the customer from pursuing the dispute further and/or to rig the process in the merchants and their favor. This is the case here because they had sufficient information to correct the charge as Ive sent them XXXX letters stating how I attempted to contact the merchant and resolve the situation, sent in video and picture evidence to support my position, and even explained how the hotel was in violation of health code and on the verge of being shut down. Additionally, after sending in further evidence on XX/XX/XXXX, Capital One quickly responded the same day alleging they arent able to assist further with the dispute due to passing a XXXX day window policy of theirs. This was an open dispute since XX/XX/XXXX and per the FCBA, they have XXXX  days to complete an investigation, which means they still had XXXX days to work toward this dispute so I believe they are in violation of this law twice. Im requesting an investigation into Capital Ones billing dispute procedures.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I got an apr of 10.14 and its too high! 
I agreed to pay but I lost my job trying to fight my insurance and I got left with a XXXX  debt with XXXX  monthly payment that I cant pay for. even before I thought its too high for new economy car. I asked around to refinance but they dont offer and they dont offer is because they got into a class action lawsuit about the bank adding a higher apr for another year or months.
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (CA)

Equifax is commiting illegal furnish of information fraud. Per 15 U.S. Code 1692 a ( 5 ) I have not been supplied proof of ALLEGED OBLIGATION OF DEBT. No written contract instrument with XXXX XXXX in XX/XX/2022. 
My government information illegally given out. 
Equifax is fraudulently claiming verified with no proof of agreement.
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (TN)

I have several unauthorized inquiries across all my credit reports dating back to 2019. I haven't applied for or authorized anyone or any company to apply for anything for me. I have contacted the credit bureaus via phone, email, and regular mail without any resolution.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Since 2019 I have called repeatedly to close my account with XXXX  XXXX and they refuse to stop drafting my account. ( 15 USC 1692f ) says this is a violation. 

Also there is a civil Liabialty ( remedy ) ( 15 USC 1692k ) Where there is in fact a remedy for my losses wages. 

SCRA Civil relief act says. That I am able to terminate any and all contracts due to me being a service member. 

After numerous attempts to communicate with my bank as well as XXXX  XXXX. I was advised by a military Jag Officer to file a complain here.
Consumer complaint received 2020-12-10
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: SYNCHRONY FINANCIAL (NJ)

Synchrony bank / Walmart and XXXX  are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with SYNCB XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to XXXX  so they can communicate with syncb and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from XXXX  and SYNCB.
Consumer complaint received 2020-12-11
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX AND XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Home owners insurance not paid out of escrow account by lender. It is now XXXX the insurance premium was due XXXX. My mortgage is being serviced by Lakeview loan servicing company. I have contacted them numerous times by phone and text and have not been able to resolve the issue. On XX/XX/XXXX lakeview asked me to contact XXXX XXXX owners insurance and have them fax a copy of policy renewal. I did this. I was then contacted by XXXX XXXX by text stating it was taken care of. I contacted XXXX on XXXX. Still not paid. On XXXX lakeview said they paid. XXXX XXXX not paid. On XXXX XXXX called me said my insurance was cancelled due to lack of payment. XXXX Stated they were going to try to help me out by writing a new policy and resending bill to Lakeview and give them another 30 days to pay. We discussed that under the Respa law that lakeview is responsible for making timely payments from funds that are in my escrow account. Lakeview told me I need to pay XXXX directly to avoid cancellation but they also told me it was paid on XXXX way after due date. I do not have funds to pay directly that is why I have an escrow account. Lakeview has been paying XXXX My home owners insurance since XXXX and I have not had any changes to my mortgage or home owners insurance.
Consumer complaint received 2020-12-11
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: Alabama Housing Finance Authority (NC)

I have been in forbearance since XX/XX/2020 with XXXX. On XX/XX/XXXX I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with XXXX  who did nothing despite XXXX  admitting to me that it was an error on their end and that I should immeditately file a disupte with XXXX. I have an official letter from XXXX  documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.
Consumer complaint received 2020-12-11
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-04-09
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. (FL)

I order a 5 in 1 machine on XX/XX/21 for XXXX. I was sent a 3 in one machine that was clearly used for XXXX. I paid my money to send it back. The merchant said I would get a refund. I tried to send supporting documents to chase for my dispute. Chase claims that they did not receive my supporting documents after I faxed and mailed it.
Consumer complaint received 2020-12-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is another complaint for XXXX  and Equifax about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). XXXX and Equifax again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. Equifax said If I have additional questions about this item please contact XXXX XXXX XXXX which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that XXXX  and Equifax can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MN)

My stimulus was sent to this bluebird American Express card. XXXX did unauthorized charges of {$1300.00} on XX/XX/XXXX and XXXX. I called my card and gave info for them to investigate charges on XX/XX/XXXX. Today I got email saying the charges were by me and they wont refund my money. They have refunded {$700.00} but still owe {$600.00}. There were more than 100 transactions and they were not by me. I am XXXX and feel I am being shafted by this company.
Consumer complaint received 2017-12-13
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. (MA)

I have tried to contact XXXX XXXX XXXX regarding this fraudulent account to no avail. I have been under the impression that this fraudulent credit card account ( opened by my mother in XXXX XXXX without my knowledge or consent since she has access to my social security number ) would be totally removed from my credit report since I had nothing to do with this credit card account. The credit card maximum is {$5000.00} which she has maxed out. I am a XXXX in college just starting to get started in the world of credit and I do not have a good relationship with my mother. I just want this to end now. 

I have filled out an FTC Identity Theft Report on XXXX XXXX and have mailed a follow up letter to XXXX XXXX XXXX on that same day and have received no response. I also contacted XXXX via a letter for them to correct my credit report. I received the ' '' corrected '' credit report today in the mail ( XXXX XXXX ) which still has the XXXX XXXX XXXX credit card account on it. While it does say that the account has been closed, it says that the account will appear on my report for two years. What is the reasoning behind this fraudulent account staying on my credit report for two additional years? 

I have been trying to get answers and trying to get this fraudulent information off of my credit report from XXXX XXXX when I first contacted XXXX XXXX XXXX. 3 months now! When I spoke to the representative from XXXX XXXX XXXX on XXXX XXXX, the woman said that the credit card was opened with a birthday that was not mine. What kind of system is this where someone can just open a credit card with the wrong birthday? My patience is running thin. I am a college student and having to deal with all this nonsense during my exams and finals period is extremely unfair. I demand answers.
Consumer complaint received 2023-03-26
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. (AZ)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I have Contacted XXXX and their collection agent Caine & Weiner about this report on my credit report and ask them to proof of this debt and have disputed it with the credit reporting agencies. All I ask is that they send me proof of the debt or remove it. As I had no relationship with XXXX at that time and was insured by a different insurance company I don't feel XXXX should be reporting this with out proving proof. I can't provide and documents as I was not a customer of theirs at that time.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX