davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I have been disputing the charge of {$1000.00} ( order XXXX  XXXX, XXXX tracking XXXX ) since XX/XX/2018, i.e. 4 months. 

I received this package damaged, fixed with tape and no contents inside. 

I did not receive any response to my claim that I sent to both XXXX XXXX and the issuer of the credit card that I used to pay for the purchase, XXXX XXXX ( XXXX XXXX credit card. ) As initially I though that the missing contents was related to the carrier ( XXXX ) I filed a lawsuit against XXXX. As of XX/XX/2018 I obtained a judgment that ruled me go against the Seller of said product. 

Neither the seller, XXXX store, nor the XXXX XXXX XXXX  credit card issuer, XXXX XXXX, resolved the issue as of now.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I subscribe to Equifax product for my personal use to keep accurate track of my credit score and report. For the past 3 months I have paid for my credit score XXXX x2 XXXX x2   XXXX x2 .Dor the month of XX/XX/XXXX thru XXXX my credit score hadn't changed or updated it has been XXXX since the XX/XX/XXXX and they took my money XXXX and XXXX advising I will receive a updated report. You will find attached same score XXXX  just the date change. It has not been updated. They only update once a month. But they lie and tell you it update daily. As you see the only thing changes is the date. XXXX XXXX  pulled my credit onXX/XX/18 and they show my credit score as XXXX they pulled it from Equifax. How is this possible? I can explain they are selling a outdated product with inaccurate credit scores. Why my score is not reflecting to the information shown on this denial letter from XXXX XXXX. Equifax is a scam .I want a immediate refund for all product purchases I have ever purchased. If not I will start a class action lawsuit because surely I am not the only one they have scammed. Explain how on XX/XX/XXXX I paid that day for product and my credit score is XXXX  and on the same day XXXX XXXX pull my credit and it was XXXX. My credit score has been XXXX on Equifax product since XX/XX/2018. And has not updated. But they charging me for old information and inaccurate.
Consumer complaint received 2022-10-24
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: Avant Holding Company, Inc. (FL)

Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by Avant.
Consumer complaint received 2018-08-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (CA)

I had a car loan with their firm. The car was totaled in an accident and the insurance company contacted Westlake Financial for a pay off. The received payment and I signed the car over to the insurance company. Several weeks later I received a bill from Westlake Financial stating I owed a balance. I was not certain how this was possible as they are the ones who gave the pay off amount, and if there were additional funds they should let the insurer know. They kept sending me a bill, charged late fees, kept calling to collect. Even after my repeated requests to send documentation explaining why I would owe and not the insurer they failed to do so and continued with the calls. They ultimately listed it as a charge off on my credit. I received a call from them occasionally, and stated my same request, to no avail. For some reason the past two weeks they have been calling me non stop, 7 days a week, all hours of the day and evening. I have gotten in excess of 10 calls a day. Sometimes when I do answer they hang up. Other times when I do answer I explain to them I would like written documentation of the debt, and also all communications to be in writing. They have failed to do so.
Consumer complaint received 2022-08-01
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 am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

For the last 2.5 months, I have been trying to certify myself for Public Service Student Loan Forgiveness through XXXX. ( XXXX XXXX XXXX ) I am a XXXX XXXX who is eligible to be recognized for this service in order to receive credit for student loan forgiveness. I had my HR representative complete the required paperwork in XXXX. They rejected the paperwork because we used electronic signatures with our military ID cards. We resubmitted with ink signatures. We were rejected a second time because the HR representative indicated that I work 40 hours per week but DID NOT check full or part time. She just wrote full time hours instead. The form makes it appear as though you choose between the two, NOT full/part time AND then write the hours. 8-10 weeks for paperwork to be rejected based on a preference for wet signatures and a box being left blank but answered in another section seems like a duplicitous attempt to avoid giving me credit for public service loan forgiveness.
Consumer complaint received 2022-10-24
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank continues to harass me for debt I did not approve. A previous roommate stole my personal information before moving to a XXXX, Tx. He opened accounts with synchrony using my Personal information. I submitted all theft reports and documents to synchrony but they are still reporting to the credit bureau and have tried withdraw money from my bank accounts without my permission. Synchrony sent a letter holding me responsible for the fraudulent accounts because the merchandise was delivered to my house. That does not mean I am responsible for that debt. I mentioned it plenty of times. The thief is a former roommate, he lived here.
Consumer complaint received 2018-08-25
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. (GA)

XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be Equifax at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on Equifax. The letter we received from XXXX shows it was closed with no balance as of XXXX on XX/XX/XXXX.
Consumer complaint received 2022-10-24
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-08-01
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2018-08-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: POPULAR BANK (TN)

I took out a 5-Year CD for {$250000.00} on XX/XX/XXXX with E-Loan ( now XXXX XXXX ) XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I was able to get online and see my account for three months then they locked me out. I called a number of times trying to get back into my account and got no help. On XX/XX/XXXX I was told that the new name was Popular Direct and that my account had been closed in XX/XX/XXXX and that they could not tell me where my money was or who had closed my account. I tried the email address I was given and it says " FRAUD ALERT ''. They have also changed their telephone number. I did receive my Tax form XXXX for year XX/XX/XXXX but not for years XX/XX/XXXX or XX/XX/XXXX. I have several screen shots where I set up my account. I am XXXX years old and this is my retirement money and I am getting very nervous.
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I reached out to this company notified them that these accounts listed do not belong to me. 
I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times. 
I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company. 
They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did. 
They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.
Consumer complaint received 2022-10-06
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: ADP Inc. (TX)

This is issue with ADP. Since the beginning of 2022 my company has been unable to print out checks without encountering error message which will take over an hour before printing. 
I made several complaints with ADP and eventually I was told that this is due to having too my employees, just XXXX employees. I told ADP supervisor that my company had 400+employees before and did not have this problem. The supervisor suggested I should switch to another option which will cost around {$1000.00} per month. Presently, my business is paying just {$32.00} per month.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Check dated XX/XX/XXXX was cashed on XX/XX/XXXX, and NSF Fee assessed XX/XX/XXXX. Check was dated XX/XX/XXXX in anticipation of direct deposit on that date, but issued as a courtesy to a service provider who is on site only once per week. Contacted bank today XX/XX/XXXX to secure explanation. Was informed that a check may be cashed when presented, no matter the date. Was told, " that date is only for your records ; it is meaningless to the bank. '' When I asked why I had been unable to cash a similarly post-dated payroll check in the past at their bank, I was informed that " the law is different for personal checks than it is for business checks. '' My inability to cash a post-dated check in the past was the basis for me to present the check to my service provider in advance of the actual date on the check. Now I feel my bank is not dealing with me equitably, or perhaps even legally, because their response does not seem to conform to the information I found on Consumerfinance.gov. When I asked them to waive the fee under the circumstances, they refused, but agreed to reimburse half.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

My client has a collection from an apartment complex, but my client paid everything once he moved out. National Credit System bought the debt and is claiming extra balances that my client does not recognize. On XX/XX/XXXX I sent by certified mail ( XXXX ) a letter disputing the debt, then in XX/XX/XXXX I sent a follow up letter letting them know that they were on violation, by today XX/XX/XXXX the company has still not responded. 

Also the company did not sent my client a right to dispute a debt.
Consumer complaint received 2018-08-24
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: CITIBANK, N.A. (NC)

XXXX without my knowledge and consent removed or deleted my XXXX ( XXXX  ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for XXXX to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. XXXX  has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX  ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC (TX)

Audit System Incorporated ( address : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, # XXXX, NC Insurance Permit ID # XXXX ) has contacted me via phone and now via mail in an attempt to collect upon a debt for the company XXXX XXXX XXXX. I was originally paying XXXX XXXX for taxes owned for the XXXX XXXX XXXX. I paid off my debt with XXXX XXXX and called on XX/XX/2018 to confirm this ( I spoke with a person named XXXX on a recorded line and I recorded the phone call ). He in fact stated that my bill was paid in full and he then stated that XXXX XXXX would never sell debts to another company to collect since they themselves are a collection company. Audit Systems Incorporated has been harassing me for the past month via phone and now via mail stating that I still owe money to XXXX XXXX. 
On the bill I was sent, they even list a different client named " XXXX '' with a client # XXXX but state that XXXX XXXX XXXX is the original creditor of the debt. In the bill it states that if I don't pay them, my credit will be negatively affected.
Consumer complaint received 2022-08-01
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX feel there is a possibility these XXXX belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.