davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  Credit Card closed one of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over 14 years of credit history, NEVER late on any payments, no NSFs.Maintained perfect XXXX cs for 14 year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my XXXX XXXX dropped by XXXX points due to that. XXXX points because XXXX bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX XXXX XXXX as this is unfair. Thank you!
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MI)

I was being overcharged in interest rates so I decided to pay off my Discover card close the account, which I did. I received a bill for ~ {$1.00}, called and was told they forgot to charge me that amount. I didn't pay the additional money as they had already overcharged me and I closed the account, paying what they said I owe. I filed a complaint and I'm now being told I ordered XXXX XXXX, which I never have. Any chagres should have been included in the amount I paid to close the account, and no changes were made after closing it. The woman kept trying to get me to keep the account open and I kept declining so perhaps she didn't close it, whatever the case, I paid off the balance and requested the account is closed. This company calls all time of day and night, harassing me. They send multiple communications a month. I paid the balance they said I owed and it was an overcharge in itself. I do not owe them a dime and I've never ordered XXXX XXXX.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I was scam by a company saying is was another company and was charge in 6 cards. and received Drugs and fake goods. Police was involved and chase is still charging me for the transaction XXXX, XXXX XXXX and XXXX XXXX no issues but chase is supporting the fraud company claim number XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

I lost my job due to COVID. I sold my property to pay off my debt. The credit card company refused to provide any relief of all the extra charges and wanted to know where I was getting the money to pay them. I told them we sold everything we owned to settle and I gave them authorization to have my wife settle the account. They kept asking me where my money was coming from and refused to allow my wife to resolve the account. I asked for relief before and I always get a bad connection and can not understand the person that answers. All I wanted was a supervisor to resolve my account and she refused. They want to keep charging me high interest and penalties. They are abusing their power during this crisis. XXXX XXXX Synchrony Bank has been horrible during the crisis to try to work with.
Consumer complaint received 2020-09-05
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: FactorTrust, Inc. (OR)

I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP (NJ)

I paid off the car loan for my account at valley national bank in XX/XX/XXXX. I waited over a month and did not receive my title or a letter verifying the pay off of the loan. 

I call their customer service who tells me they mailed it to my old address as I moved in XXXX. I advised them that I had called in XXXX and updated my address using the method they had asked, emailing them the updated address along with my contact information to XXXX. I was told there was nothing they can do. They told me to do it again and contact a completely different company called " XXXX XXXX '' to obtain the documents that they never sent to me. 

( Separate but they mailed me nothing since I originally got the loan in XXXX including bills or invoices ). 

I did what they said and called XXXX XXXX. They advised ( via a recorded message ) that I can not order a duplicate tile on the phone and need to go to their website and pay {$23.00} to get the lein payoff letter then take that along with local DMV documentation, in order to buy a new title at the DMV, paying their fee of ~ {$60.00} as well.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have tried to cancel my Checking ( XXXX ) and Savings ( XXXX ) accounts with Citibank multiple times via phone and chat. I have been told that my account would be closed, but I don't have a record of this exchange because Citibank does not allow you to send them email communications. 

On XXXX, Citibank charged me an account maintenance fee ( XXXX $ ) and an overdraft fee ( XXXX $ ).
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have filed disputes with the XXXX, equifax and XXXX I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law
Consumer complaint received 2022-01-06
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. (NY)

This allege account was disputed with allege original creditor XXXX XXXX and they failed to validate this debt. I sent letter disputing this allege account requesting all documents and contracts XXXX  has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. it is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX has failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.
Consumer complaint received 2020-07-02
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: U.S. BANCORP (CA)

On XX/XX/2020 I went to a bar/restaurant called XXXX. My friend and I each had a slice of pizza and a drink. The server asked to keep a card on file. I said we were paying with cash and she said the card would not be run and assured us we would still be able to pay with cash. When we were ready to leave and asked for the bill I noticed my phone alert me that I had been charged for the {$22.00}. I reminded the server that we were paying with cash and she apologized and said the charge would be reversed. My friend then paid with cash and we left. 

The charge was never removed and due to the lock downs I am still unable to get in touch with the merchant. 

I filed a dispute with my credit card company US Bank in XXXX but they made an error. I finally had to call and start over with the dispute on XX/XX/2020. They issued a provisional credit on XX/XX/2020 and sent a letter for me to explain what happened. I provided a detailed description stating that I had never authorized the charge and it had been paid for. 

I included that the receipt was never signed by me at the restaurant. 

Today on XX/XX/2020 the credit was reversed and I received a letter from US Bank Cardmember Services that they would not reverse the charge because I had no proof that I had paid another way. 

This is beside the point. The issue is that my card was charged without my consent and there was no signature given. What use is there in providing a signature if a merchant can just run your card and not be expected to show proof that you had authorized the charge. 

I am requesting help in getting US Bank and Visa to honor their own rules and refund me the {$22.00}
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

I have been transferred ( not by choice ), to fay servicing to service a mortgage on a home. I have been with them several years. In the very beginning a payment made to the last company was not forwarded to Fay servicing and had my account trailing 60 days. I have never been late but my credit shows this error. I have made numerous attempts to get them to correct it to credit reporting agencies and they never follow up. I recently received a grant and had a substantial amount paid and placed the account on auto draft. My account recently increased and they stated a escrow analysis increased it I asked for a copy to pay the difference to return my payment to the correct amount months ago and they ignore my request. Lastly while trying to get the analysis they representative offer to wave a months payment to the rear of the loan for COVID-19. My new statement showed two months due! I believe they try to create financial hardships to throw off or cause someone to fall behind. I called in a rude account manager after 2 hours on the phone lied and said someone will call me back to correct it and hung up in my face!! I paid the amount over the phone! I want my account corrected from the beginning of the loan and my current escrow analysis to pay any so called diffenency. A forensic analysis on the account would be great also.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AES/PHEAA (TX)

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. Owner has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing distress as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (GA)

XXXX claims that I had an account with them and owe {$530.00}. Ive never had an account with this company but unfortunately they ruined my credit with the negative amount. They didnt try to verify and validate the information.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (FL)

l C systems inc. bought an old incorrectly reported debt that I had removed from my credit report, ..the previous collection agency " XXXX XXXX '' inaccurately parked it on my report and I vigorously disputed this false charge and it was finally removed from my report. But now I C systems Inc changed the amount by {$1.00} and is trying to claim it as a new debt on my report! RE-AGING..
Consumer complaint received 2020-05-20
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: DISCOVER BANK (IL)

I have a dispute with Discover Card Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. 
I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : Case # XXXX Merchant :  XXXX XXXX Dispute Amount : {$170.00}
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC (TX)

My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (GA)

I sent Equifax a dispute pointing out several inaccuracies. They responded with my credit report and failed to fix several errors/ inaccuracies. By law ( FCRA 611 ) the disputed items are supposed to be either corrected or deleted when notified of them. I also sent a 15-day method of verification dispute letter ( FCRA 611 ) which I am still waiting on.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank closed my Amazon Store Card. With that I lost over {$700.00} of rewards. 

They claim that in the teams & conditions it says that when the account is closed the rewards are profited. 

However I don't think it is fair in a case that THEY out of the blue closed my account. 

I am aware that the big banks like XXXX, XXXX XXXX XXXX XXXX when they close your accounts, they give 30 - 60 days to redeem the rewards. 

I believe Synchrony Bank should give the same grace period. It only makes sense.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

XXXX XXXX is negatively reporting to XXXX and Equifax from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.
Consumer complaint received 2020-09-04
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: GOLDMAN SACHS BANK USA (TX)

XX/XX/2020 - I attempted charge for item online, but it was declined XX/XX/2020 - I noticed a charge on my new XXXX cycle for the amount of {$1000.00}. I contacted merchant to have it reversed, they declined. 

XX/XX/2020 - I opened a dispute with creditor XX/XX/2020 - I contacted creditor for update, they stated that the dispute was in process and they claimed I would receive a provisional credit, but I never received one. 

XX/XX/2020 - I contacted creditor to inquire about the provisional credit before I made my XXXX statement payment. I was told they would look into it and I was never notified or responded to. 

XX/XX/2020 - After waiting several billing cycles and 90~ days from time of opening the dispute, I contacted the creditor for the resolution. They claimed I withdrew my dispute but offered no proof or any details of that claim. 
They transferred me several times until they said they would pass it along to their manager. 

I never received the item in question from merchant. 
I also never received any sort of credit or reimbursement from the creditor.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF THE WEST (IL)

This is pertaning to Bank of the West XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through XXXX  XXXX  and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.
Consumer complaint received 2020-05-20
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: ATG Credit, LLC (CA)

ATG CREDIT LLC is a collection agency collecting for XXXX XXXX XXXX  in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

My initial loan was sold to Loancare LLC. I refinanced with XXXX XXXX. XXXX required escrow to cover my winter taxes, I informed them that Loancare had all the funds already to pay my winter taxes. I was assured by XXXX I would be receiving my escrow monies back from Loancare within 60 days. When I did not receive my monies, I contacted Loancare and determined they also sent a check to my township that has been sitting in their treasuries office for over 2 months. I contacted my township treasurer who stated a simple fax or email from Loancare stating the check could be released to me for the double payment of my winter taxes. I contacted Loancare and after multiple attempts they still have not completed this small task. They refuse to simply cancel the check and send me out new check. I am concerned that if my township sends the check back to Loancare, they will say they never received it and I will be continuing this fight for a long long time to get my escrow refunded to me. 
PLEASE HELP!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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. (CA)

I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.