davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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: Chime Financial Inc (OH)

I paid for an item using XXXX XXXX ( a XXXX company who partners with XXXX ). It is a buy now pay later service. 

I was charged {$42.00} on my Chime credit builder card towards this purchase and the merchant then cancelled and did not fulfill the order. 

XXXX, XXXX XXXX and XXXX refused to refund me. The mechant refused to cancel or refund. 

Chime refused to initiate a dispute. 

Chime was provided with the merchant cancellation and all relevant details but continued to give me robotic non-replies, refusing to initiate a dispute.
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

I recently had a notice for this company to contact me by mail for any correspondences because I hadn't received anything from them but the credit bureaus kept saying verified. How was this account ever verified when the address that they told me on XXXX was not my address nor has it ever been my address. I have not received any documents from LVNV. In my conversation with XXXX and supervisor ( I can not recall her name ) on XXXX the most recent conversation the representative dictated the WRONG address and said oh, that may be why you haven't received anything. I have disputed this account and the verification of this account with all the bureaus as well as with Resurgent ( LVNV ). I have NEVER received anything from them in regards to this account. 

When I asked the representative today what I could pay to settle this account because it was not my fault that I hadn't received anything she told me {$920.00} which I felt was unfair due to the fact that I was never notified of this account nor that they were going to place it on my credit file earlier. I feel this is unfair. 

In looking at my spam today after my knowledge of LVNV I found over 30 emails from XXXX XXXX in reference to LVNV dating from XXXX XXXX XXXX. How was I supposed to know about this account or any liabilities that I had from emails in a spam folder? 

How are these tactics above board? Why do I have to advocate so hard for myself when I am in the dark about this entire account that according to the representatives was sold to you in XX/XX/2019.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (SC)

No returned calls or emails.

Mislead about a refinance.

Mislead about the removal of Our mortgage insurance. 

XXXX XXXX caused a financial burden throughout our attempts to refinance our property. Words cant express how unethical they have treated my father and I even as their current customers. My father and I own multiple houses and this is the worst experience weve ever had with a lending company.
Consumer complaint received 2022-04-05
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. (AR)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My loan servicer, Loancare, will not pay my XXXX property taxes. They claim they were paid in XX/XX/XXXX, but that my county tax collector still shows the bill as unpaid. I have called them at least monthly since XXXX and have been given different reasons for the delinquency each time. I have also been told they fixed the problem and paid my taxes in XX/XX/XXXX This is not the case. I have been unable to get any meaningful action or resolution in the past 4 months I have been contacting them. I had the same issue with my XXXX property taxes.
Consumer complaint received 2022-04-05
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. (FL)

I have contacted TransUnion on XX/XX/2022, XX/XX/2022 as well as XX/XX/2022 to have these 2 unlawful creditors items to be removed from my credit report and they have not done so the following items should be removed from my credit report due to the law : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (MO)

I received a direct deposit from the SBAD Treas XXXX on XX/XX/2021. I received and email stating my funds where available. The next morning I couldnt use my card. Called and found out the account had been suspended. They couldnt give me a exact reason why and told me there was no number or email just a P.O. Box where I would have to send a letter. I did that and still havent heard anything. I wasnt notified about the account being suspended or why.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NV)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX dollars its credited but took the fee for rush the card and the card still not validated. I been send the document several time. XXXX, XXXX, XXXXXX/XX/XXXXand XX/XX/2020, agent us bank reliacard told me send again its say 5 business day. But already disputed and credited to my bank card but I can not use my fund. Ok, 6 send selfie and driver licence and XX/XX/XXXX send again say two business day will take the block on the card. Up to present and I had letter girl fraud investigation that the error is been fix and the case close. The company is usbank reliacard PA. Unemployment. Please need help Thanks.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted this complaint to update this suspicious information. 2 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2018-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I submitted to XXXX XXXX ( 1 ) Police Report ( 2 ) Copy of FTC Identify Theft Report but is failing to agree to delete the account and remove from all 3 credit bureaus
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (FL)

Correspondence was sent  to OAC o n  XXXX / XXXX /   2016 inquiring about a {$350.00} medical debt reported to  XXXX ,  XXXX  &  XXXX  . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t OAC has  never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for OAC to continu e reporting this debt.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XX/XX/year> at approximately XXXX XXXX oclock I entered the branch informed XXXX the branch manager that I would like to make a deposit and make a pin change being that I did not have the pin that was mailed to me she informed me the wait would be XXXX minutes or longer I then lead to say that fine I can wait I got in line to make the deposit. She approached me and stated that appointment did not show and she could help I completed my transaction with the teller and a gentleman by the name of XXXX. Said he would help. I followed XXXX and provided him with my drivers license and debt card he said he was sending a code to my phone I advise XXXX there seemed to be an issue with logging in but I was able to and I was told by XXXX I failed and its my fault I did it wrong and there was nothing he could do He can not get in to my account he also state he would go get the manager because we where going to keep spinning our wheels the manager said it was at her discretion and she could not help until tomorrow. No one else had to go through this I even provided my driver lives Ssn and to prove who I was and was turned away with no pin changed for my debit card
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently saw on my credit report that my credit card is reporting 30 days late in XX/XX/2021 and 60 days late in XX/XX/2021. I am on a special COVID repayment plan with Capital One and was told they would not report me as late!
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I had some XXXX XXXX XXXX charges which I did not order on DISCOVER card. XXXX agreed and started giving credits. Although credits were coming, I had paid full payment due as it was set up for autopay. Upon complaining they returned {$350.00} check. Now again they issued credit and sk me back {$350.00} when I have hardly used the card. Their security department just keeps sending me statements- ( see attached ) which do not make sense. 

I think card balance should be XXXX as I have paid for those services which I did not order from XXXX and DISCOVER issued me check. Whether credit comes from XXXX or DIScover later is not my concern. Why make me pay again and nullify credit? Second issue is of Inmotionhosting dispute- which you can find I addresed in attached letter to DISCOVER. Please write to me at XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NJ)

I have a perfect payment history and a great credit score. Yet, for some reason Goldman Sachs/Apple has blocked all future spending on my card. I cant get any answers from them. The only thing Im being told is we will mail you a letter at some point. This is in really poor taste especially during the Pandemic for someone located overseas that needs access to funds. I have no idea what to do or what I have done to get restricted. If they planned to issue me a card for only such a short time I would never even have applied for it and allowed them to do a credit check ( which decreases the score significantly each time that happens ).
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

THERE WAS NO XXXX XXXX XXXX. 

A XXXX XXXX XXXX was paid and released in XXXX. The balance was transferred to XXXX. 

XXXX was added to the XXXX XXXX loan in XXXX. 

XXXX and XXXX were both paid off separately in XXXX. XXXX XXXX paid off both mortgages. The XXXX XXXX 2nd mortgage paid off the XXXX loan with {$34000.00} taken from the second mortgage along with {$44000.00} to various credit cards.-including {$7000.00} to XXXX XXXX credit card. 

XXXX was paid and released in XXXX. 
The XXXX XXXX second mortgage was paid and released in XXXX. 

The XXXX  XXXX first mortgage was paid but NOT released until XX/XX/XXXX after FDIC gave power of attorney to XXXX to release the mortgage transferred twice by XXXX and XXXX XXXX XXXX. This was done promptly but with no date of the payoff We have contacted both FDIC and XXXX. That I need the exact actual date the XXXX XXXX first mortgage on my house was paid from the payments made. 

This is extremely important as XXXX XXXX has {$350000.00} of my proceeds from the sale of my house for a loan I already paid. 

Everyone is aware of this but nothing has been done. I am days away from paying a penalty for the money I had to take from my retirement account to move into the new house. 

I want this investigated and I WANT A CHECK.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

On XX/XX/2020 I contacted my bank Chime because my bank card and personal information along with other critical and important items were stolen from my car while I was home on bed rest recovering from a XXXX XXXX. I notified my bank and the vendor listed nothing has been done I have Audio of the banks own staff confessing that the bank did not fully review my information and everything I submitted had proven my case. Im very frustrated its 10,000+ missing from my account and nobody thought to freeze my account or call from the bank to confirm the spending with me the actual account owner
Consumer complaint received 2018-07-15
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. (TX)

Transunion, XXXX and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-04-05
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/2022 XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-01-31
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: SYNCHRONY FINANCIAL (MD)

I am filing this complaint against Paypal because I believe that they are retaliating against me for disputing an alleged debt. I asked them to validate an alleged debt. I also made them aware that in addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me, the consumer, and SYNCB/PPC and should be excluded from my credit report. They have since limited access to my Paypal account. They are deceptively pretending to give me an option to resolve the issue by changing my password, but the website will not permit me to change the password, which prevents me from accessing my funds. This is retaliatory behavior, when they are in the wrong.