davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

I have been receiving multiple phone calls and voice messages every day for almost a year from Synchrony Bank regarding an unpaid Discount Tire bill. The messages claim that the bill originates from Florida, however, I live in Texas. Additionally, I have never done business with Discount Tire. I have repeatedly looked into the issue to see if it is a scam, and it appears not to be. I contacted the company about the issue and the calls stopped for about a month, however they have returned recently with increased frequency.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MO)

On XX/XX/2021 I went to U S Bank XXXX at XXXX XXXX XXXX XXXX to acquire a checking Account for My XXXX XXXX XXXX ( XXXX XXXX XXXX ). The Customer Rep said the account could not be open because it was the policy not open accounts that owed the bank money. But the Rep didn't give me a decline statement. The recovery debt department later ask why I had not paid the charged-off items in questions. I answered XXXX XXXX XXXX and a deceased wife that gave all her money to her children. The recovery Rep then reduced the debt from {$600.00} to {$200.00} but bank did not allow the opening of a business account.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aqua Finance, Inc. (GA)

XXXX XXXX and XXXX are reporting payment increases to a closed account which had the wrong information to begin with. And is a menace to my quality of life. They are allowing this company to deliberately drag me financially. When the pandemic was the cause
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (IL)

On or about XX/XX/XXXX, I called Citi-Mortgage and inquired  about setting up bi-monthly payment. Their representative said that everything was taken care of, and I could submit bi-monthly payments whenever. I submitted my first payment on XX/XX/XXXX and the second payment on or about XX/XX/XXXX.

Citi did not apply the XX/XX/XXXX payment to the XX/XX/XXXX payment. They instead applied the payment to principle. For the next 8 months, the payments were out of sequence, with the mid-month payment finishing payment for the current month instead of becoming the first payment of the following month. They never sent me a late payment notification, so I had no idea this error was occurring. Once I found out about their error, they refused to fix their mistake. 

In XX/XX/XXXX, they sold my mortgage account to another company. The payments were still out of sequence. The new mortgage company required me to pay both of my bi-monthly payments for XX/XX/XXXX so that I was current. Paying on XX/XX/XXXX would generate late fees. Because Citi never fixed the problem, I had to pay an additional half of my mortgage payment in the same month, making three 1/2 payments to keep avoid late payment and fees. 

Citi lied to me me about being able to make bi-monthly payments beginning in XX/XX/XXXX. 

Citi never informed me that the XX/XX/XXXX payment went to principle. 

Citi refused to fix the issue with the payments I made in good faith.
Citi then sold my account to another company before fixing the issue.
Citi denies that I ever contacted them in XX/XX/XXXX about setting up payment.
Consumer complaint received 2021-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

The Problem is with the Department of Education and the poorly ran Public Loan Forgiveness program. The Waiver states " all payments, partial, late, zero and wrong plan '' now count. However, if the status state XXXX on the student aid site any payments made during that time does not count. 

People can consolidate new loans with old loans and be forgiven. Yet, forbearance periods can not count? 

Forbearance periods needs to be added to the waiver. Borrowers were always steered into Forbearance. Forbearance periods from XXXX needs to count as payment if the borrower certifies 120 months of employment. 

The language on the waiver is confusing and Fed Loan is not applying the language correctly. Every phone call results in different information.
Consumer complaint received 2021-10-05
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: JPMORGAN CHASE & CO. (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Hello, I became aware that there was some problem with my PayPal account the first of XX/XX/2020. I received the following alert, " Theres a problem with your account. Be sure to resolve it to restore full account access. '' I then received the following notation to my account, " You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I attempted to phone their customer service with no success. I then messaged then the following request, " Hello Again, I have attempted to contact you by phone and message and have received no response. You have limited my account and you have not provided me with any reason why you have taken this action. I have done nothing to warrant this action and have been a customer for 17 years and have had no issues. I will pursue additional action through XXXX and FTC and Homeland Security as well as any financial institutions listed in my account to further  investigate your company practices as there appears to be some breach of your system and my continued account in good standing. I am requesting your reasons in writing for this action as I have no clue why my account is restricted or why you have denied me access. XXXX XXXX '' I continued to look for a response or correspondence and have yet to receive any justification for their action. Further, I can't use and of their services and they have and continue to lock me out of deleting my bank and credit card information. 
I have no idea what prompted their action as I have been a responsible customer for many years. 
As I have tried to investigate and research to obtain an explanation I have discovered that this arbitrary action by PayPal has happened to many people and has been problematic for retailers on XXXX. 
I appreciate any help you can provide to assist me. 
Thank you, XXXX XXXX ( PayPal Acct. I.D . XXXX )
Consumer complaint received 2020-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

Hyundai Motor Finance took two payments from my checking account in XX/XX/2020 when only one payment was due and I did not authorize the second payment. I contacted them several times and was told it would take 16 business days to reverse it and they would then have to send me a paper check. Every person I spoke with at Hyundai has acknowledged that the 2nd payment taken in XXXX should not have been taken from my checking account because I did not owe 2 payments. They suggested I leave it and it would pay my XXXX car payment in full. Hyundai taking two payments in XXXX caused serious financial problems for my family because my monthly payment is {$720.00} a month. I left the payment with them and have since contacted them because the automated account information still says I owe my payment by XX/XX/2020. I called them and told them about this and they told me " not to worry about any late notices I receive ''. They would not and have not given me a receipt for the extra payment in XX/XX/2020 to reflect the 2nd payment was applied to XX/XX/2020. It looks like I just paid an extra payment on my account to Hyundai. 
For several months I have not been able to access my online account without calling Hyundai and having them delete my old account and start a new account. It works when they " fix it '' but the next day it won't let me access my account again. I put in my information to try and fix it myself and it tells me that my information is not correct. The information it asks me for is my date of birth and social security number. I have asked for technical support help to get it fixed permanently but have never been given that option. So at this point Hyundai fraudulently took over {$1400.00} from my checking account in XX/XX/2020 and made it sound almost impossible to get the money put back into my checking account in a timely manner. So when I decide I really have no other choice and believe my car payment is paid for XXXX and that I won't have another car payment due until XX/XX/2020 I find out that it was never applied to XXXX and I owe another {$720.00} by XX/XX/XXXX which I can't afford to pay. When I originally called them in XXXX it was to get them to help me fix my account again so I could log on and make my XXXX car payment but instead they took the two payments and charged me {$7.00} for each payment because they took the payment by phone. I am getting cheated so badly by Hyundai Motor Finance and I really need help. I have called them repeatedly and they lie every time. 
I also want to include that When I called in early XXXX to have them fix my account so I could log in they told me I didn't owe a payment for XX/XX/2020 because I was paid ahead so I opted not to make a payment in XXXX and use that credited amount for my payment. I included this because I do not want this getting confused.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. Please remove the accounts above from my consumer report immediately
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (AZ)

In checking my credit history, the company Progressive Management Systems ( Debt Collector ) is continuously falsely reporting a collections account against my name. I contacted the debt collection agency and spoke with three different representatives ( XXXX, XXXX, and Unknown ). The XXXX representative said I owed a debt to XXXX 's XXXX XXXX XXXX in XXXX XXXX, California and the date of service was on XX/XX/2014. In my credit history the collection amount is {$420.00}. I called XXXX 's XXXX 's XXXX to confirm the date of service, and asked how much the debt owed was and who was the guarantor for the bill. The bill reported by the representative from the billing department at XXXX 's XXXX 's XXXX said the guarantor for the bill was for someone else and I was not listed as the guarantor for this bill, which also they stated the original bill amount was for {$310.00}. The XXXX XXXX XXXX is falsely reporting this on my credit history when I was never the guarantor for this bill and refuses to stop reporting this against me, as they are unable to collect the debt from the official guarantor.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (KS)

On XX/XX/2019, I requested a check from PayPal in the amount of {$23000.00}. If the check isn't cashed within six months, the funds should have been returned to my account automatically according to PayPal 's policy. 

I contacted PayPal on XX/XX/XXXX to ask them to reissue the check. They said they were not able to do that. I would like to know why. 

They told me that my only option was to to have the funds placed back in my account and that I would have to transfer them to my bank. They said they would put the funds back in my account within 24-48 hours. 

Five business days have passed and the funds have not been returned. I have tried repeatedly to contact PayPal. They do not accept phone calls and their chat message system does not respond. I have also tried contacting them on XXXX, where they sent me a link to their inadequate help page. 

My money still has not be returned to my account and no one at PayPal has responded.
Consumer complaint received 2021-09-01
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-10-05
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: LEXISNEXIS (PA)

The following Child Support accounts are inaccurate and are fraudulent accounts. These negative accounts are having a negative impact on my life. Youre failing to keep up reasonable methods to assure the most extensiveness and accuracy on my report which is directly impacting my quality of life. I sent multiple dispute letters with the inaccuracy and inconsistency being shown on my account.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

This account XXXX is being reported twice on Equifax and XXXX as negative information. On Equifax specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX. These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Cadence Bank (TN)

I reported unauthorized charges on my account in XXXX that occurred in XXXX. I waited the 30-45 days for a response and even filed 2 additional disputes. When I continued to be ignored by my financial institution, BancorpSouth, they told me that they had no legal obligation to assist me as it has now been beyond 60 days. However, they did acknowledge receipt of my written complaint within 30 days of the charges occurring. From my understanding of the FCRA they are actually the ones who have 30 days to reply to me and if I am not given a response their obligation is to refund the charges. I've spoken to several different managers with my bank and they prefer to bend the law to suit their needs. The charges were in the amount of {$170.00} and {$44.00} from XXXX XXXX XXXX. Please assist me in getting my money rightfully returned to me as is required by the FCRA.
Consumer complaint received 2020-12-02
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (AZ)

I have been having issues making payments due to Covid-19 so On XX/XX/2020 I reached out to Wells Fargo for assistance with my XXXX XXXX line of credit. They told me they wouldnt help me since I had received help at the beginning of the pandemic. I was told this will go on my credit as CLOSED ACCOUNT and it would be a negative mark. This is absolutely ridiculous that Wells Fargo refused to help its customers during an ongoing pandemic. I will be posting my experience on social media!!! Im sure many others are experiencing the same problems with Wells Fargo.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

This bank is rude to me Lied to me Their lending dept I applied for a credit card and it was delayed and today I get a notice denying me Saying Im A risk what type of declination is this Its not even a credit reason why are they doing this to me I feel discriminated against they can not treat me like this and get away with it its wrong Completely and give me no recourse of action they arent the law they are regulated by you
Consumer complaint received 2020-07-11
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. (IN)

XXXX XXXX Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX  Appears on my XXXX  and Equifax reports however XXXX  removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( XXXX & Equifax ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX