davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION (FL)

We can not access any of our account information with VyStar Credit Union for over two weeks now. Bill pay that we are signed up with is not processing any payments. Some of our deposits are not being credited to our account. I requested a print out of transactions via email because the hold time has been 2+ hours and they sent me someone elses account information including account number and everything. This makes us all very worried about the security of our accounts. XXXX XXXX sits on both VyStar and the XXXX board which is the vendor VyStar invested XXXX XXXX into for this new online banking debacle. That has to be a clear violation and conflict of interest. This is a mess and I can not operate my business without online access to my money!
Consumer complaint received 2022-04-24
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: Capio Partners, LLC (FL)

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRONTO FINANCE INC. (WI)

XX/XX/2022 I called this loan creditor to send me a copy of the original contract, pay off disclosures, auction receipt ( since they sold the property ) loan insurance proof, and balance history payment. Gave them the legal 30 days to produce it, come to check on XX/XX/2022 I believe they end up closing it on their end writing it off as " bad credit '' but never sent me paperwork? No proof? It does not reflect closed in all XXXX main credit bureaus.
Consumer complaint received 2021-04-20
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2022-07-27
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: CITIBANK, N.A. (TX)

CitiCard Visa XXXX XXXX XXXX XXXX Purchased tickets for {$740.00}. Could not get tickets. Go a " opps something wrong - called company XXXX  - got XXXX. 
They stated " customer service is unavailable and hung up on me. 
Called CitiCard. They stated charge had not yet posted ( done within 1 hr ). Agent said to cancel the credit card and I would not be responsible. I did so. 
Citbicard has bounced this from dept to dept and has to do date not reversed charge nor listened to the recorded XX/XX/XXXX tape of this conversation which I have requested several times. 
I never got the tickets, nor got anything for my purchase. CitiCard XXXX gives me the run around, promised " a conditional credidt '' to reinvestigation a week ago and still has not done this. 
A customer receiving nothing, promised a credit should be able to get it. 
I have a paper trail of everything that occured with screen shots. 
Thank you.
Consumer complaint received 2021-08-03
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX, XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-07-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX {$9400.00}, XXXX XXXX {$10000.00}, Department of Education {$5300.00}, XXXX XXXX XXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$640.00}
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I have recieved information about an account which I do not agree. This account is reporting inaccurate information to the credit bureaus in which is total wrong. I was charged {$2800.00} from XXXX XXXX XXXX back in XXXX. I do not understand why this account is in collections with Hunter Warfield because I do not owe that amount. I feel that I am being charged for items out of my control. I have tried to reach out to the company to get information on why they are stating I owe this amount, but I have not received an itemized list or proof of why. 

I started disputed this account back in XX/XX/XXXX, for reporting inaccurate information on my credit report and I am getting computer generated information which does not provide proof of the original debt from the original creditor.
Consumer complaint received 2022-04-24
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX has 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 2022-06-24
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Co LLC (IN)

I have disputed 3 accounts that are currently being listed by Debt CO XXXX. I have disputed the accuracy of the information both with Debt CO XXXX, XXXX and XXXX. I have disputed the accuracy of the accounts as they report an account open date of XX/XX/XXXX. When in reality the accounts were opened on in XX/XX/XXXX. After the initial dispute, XXXX stated that the information being reported to them was accurate. When I spoke with the original creditor ( XXXX XXXX XXXX ) they stated the account was opened on XX/XX/XXXX. When I asked for files pertaining to the account they stated they did not have them as they were forwarded to debt collections company ( Debt CO XXXX  ). I contacted Debt CO XXXX  to get the information on the debt ( validation of debt ) and they stated they would have to submit to submit my request for information to see whether or not I could get that information. The agent then stated if I wanted to go ahead and pay the full amount, they could do a pay for deletion. I asked for the documents validating the debt and I was informed again that they were submitting to see if my request would be approved. I asked how long it would take and they stated it could take anywhere from days to weeks.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

On XX/XX/2022, sent a letter of rescission to DISCOVER FINANCIAL SERVICES rescinding the consumer credit transaction pursuant to Title 15 U.S. Code 1635. They received the rescission letter on XX/XX/2022. DISCOVER FINANCIAL SERVICES has not responded to this rescission.
Consumer complaint received 2022-06-06
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: Incomm Holdings Inc. (TX)

Bought a vanilla gift card put XXXX dollars tried using the card and the XXXX dollars had already been card was bought XX/XX/XXXX funds were taken out on XX/XX/XXXX money went to XXXX direct that did not make purchase from. Contacted the company company said would open a dispute and never did called back they then started stating over and over again that the payment went through when we already called and was told a case was open and never was asked to be escalated to a supervisor who confirmed a case was never opened to try and get funds added back to the card. Company was no help vanilla gift card is just a scam don't ever purchase
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IL)

My monthly gym payment to XXXX got charged twice. I the online account it shows two payments equaling {$50.00} on XX/XX/2020. When I contacted Citibank, they said the payment is pending, but the total amount is is my account balance.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JSZ Financial Co., Inc. (TX)

In XXXX a collection appeared on my credit report. 

I lived at this complex from approximately XX/XX/XXXX - XX/XX/XXXX. 

3 years later a collection account shows up on my credit. 

Never received any calls, emails, letters etc. 

I am getting charged for something 3 years after I moved out. Even after other people occupied the property. 

I have disputes on all 3 bureaus. Only XXXX has removed it.
Consumer complaint received 2022-09-19
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. (AL)

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, has 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 an account without my written instructions
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avid Acceptance, LLC (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

The Old Navy store located at XXXX XXXX XXXX, XXXX, OH XXXX signed me up for a credit card without my permission. I returned to the store upon discovering this to have it canceled. The store manager said it was cancelled. Today I just got an email about a missed payment. Clearly it wasn't cancelled. I suspect if this store is using this underhanded tactic to inflate their sales numbers then they are not alone. Perhaps an investigation is in order.
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

Although Fay Servicing is under the following consent order they have never offered any type of loan mitigation per this consent order as relating to the mortgage they allege I am responsible for : XXXX XXXX XXXX XXXXr : XXXX CFPB XXXX In addition XXXX XXXX Fay 's predecessor ) was under another consent order when they filed the foreclosure complaint against me in XXXX ( XXXX XXXX XXXX XXXX XXXX - Case # XXXX XXXX XXXX ) immediately after I requested a payoff amount again with no mitigation offered either prior to or post filing. 

XXXX also fabricated note documents and forged signatures thereon to enable unlawful collection proof for their benefit in these proceedings.
Consumer complaint received 2022-06-24
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: Synovus Bank (CA)

My card was stolen and used to make XXXX fraudulent purchases totaling {$210.00} ( XXXX {$200.00} ; XXXX XXXX XXXX {$6.00} ; and XXXX XXXX XXXX  {$8.00} ). I had completely paid my account, so the only balance comes from these fraudukent charges. I contacted First Progress by phone and was told that " disputes was looking into it. '' I followed up with a letter and there has been no response now for about 30 days. In the meantime I have made {$90.00} in payments all toward these fraudulent charges to keep my account in good standing because First Progress will not process my dispute. Now they have charged me interest and informed me that I have a {$43.00} minimum payment due. Again, ALL of this is on fraudulent charges because I had completely paid off my account. They have also ignored my request for a new card.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I requested that Fedloan Servicing refund my payment of my student loans in the amount of XXXX. I called them multiple times making sure that my request was initiated, which they confirmed, it has been more than a month and have not received the refund.
Consumer complaint received 2022-09-19
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: JPMORGAN CHASE & CO. (CA)

JPMCB CARD obtained a copy of my XXXX credit report on XX/XX/22, XX/XX/22 and XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them. 

In a prior complaint on this matter they responded that they would remove the inquiries from my report, over six months ago, yet have not done so.
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OK)

My daughter visited XXXX XXXX on XX/XX/XXXX. XXXX XXXX was advertised as a Tier 1 PPO Provider XXXX XXXX XXXX XXXX. We were not advised that their provider was not credentialed. They took our insurance as usual. 

XXXX worked with XXXX XXXX XXXX  until their claim was rejected on XX/XX/XXXX because the provider was not credentialed. They paid a reduced claim amount of {$38.00}. 

XXXX sent us a bill for the full {$140.00} amount. I disputed the amount and explained they had failed to credential their provider and offered the {$38.00} in a letter dated XX/XX/XXXX. XXXX XXXX did not respond to that letter. 

XXXX sent a demand letter dated XX/XX/XXXX from Transworld Systems Inc. ( TSI ) as their credit collection agency. I returned the dispute form XX/XX/XXXX asking to verify debt, explaining that their provider was not credentialed even though they advertised XXXX XXXX status and that they didn't even have a " real '' name on the debt. XXXX XXXX nor TSI responded to my request. 

Transworld Systems Inc. ( TSI ) sent another debt collection letter on XX/XX/XXXX. They did not verify debt, they did not respond to two separate letters dated XX/XX/XXXX and XX/XX/XXXX. They did not stop debt collection until verification or responding to my requests. As far as I can tell, they are breaking all the rules.
Consumer complaint received 2022-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

On XX/XX/XXXX, I applied for a {$15000.00} XXXX XXXX XXXX XXXX, a student loan to be used to finance the New York State Bar Exam preparatory course and exam fees. The application and note both read as a master  student loan. The interest rate on this loan has increased each year and is now currently at 10.5 %. To date, I have already paid {$16000.00} on this {$15000.00} loan, and still have a principal balance due of {$13000.00}. 

In XX/XX/XXXX and again in XX/XX/XXXX, I reached out to student loan refinance companies to attempt to refinance this loan to lower the interest rate and monthly payments. Both attempts have been declined because this loan, which is currently serviced by Firstmark Services, is being inaccurately reported on my credit report as a personal loan and not a student loan. When I reached out to Firstmark about getting this corrected, as it is not only impacting my ability to refinance, but also my credit score per XXXX, they responded by saying the loan is " not reported as a student loan and is also listed like this in the promissory note and disclosure documents. '' After review of the promissory note, which clearly states it is a " Master  Student Loan Promissory Note '', I reached back out to Firstmark, who has yet to correct the issue on my credit, leading to another denial of my refinance application.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CT)

I was using my Venmo account no different than any other day when I sent my sons mother XXXX dollars for his birthday. If I was to guess Id say she called and made a false report to get my account jammed up. Because Venmo froze my account with {$1100.00}. In it. They proceeded to keep my money after I tried to transfer it multiple times. After reaching out over 20 times to Venmo they finally emailed me simply saying they shut down my account for user agreement issues and they are holding my money for 180 days for loss protection. The money in the account has a clear paper trail from my business. It was transferred from PayPal after a customer paid via PayPal. The money is clearly mine and they are acting like its theirs. Its actually for my customers roof!!! And now I have to either come out of my own pocket or tell my customer Venmo is quite literally stealing our money. Please help