davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (AZ)

Approximately in XX/XX/XXXX I personally reached out to Synchrony Bank via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XX/XX/XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Synchrony Bank shortly after for a second opinion. This was due to the fact that even the Federal Government has recognized the severe economic impact COVID has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Synchrony Bank, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Synchrony Bank is acting unreasonably in regard to my situation.
Consumer complaint received 2022-12-20
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)

The unverified account indicated below still continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2022 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

Here is the aforementioned account : XXXX XXXX XXXX XXXX  : {$27000.00}
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE FARM BANK, FSB (NC)

This is not a duplicate case. I am submitting this request as I have garnered additional information from both State Farm and XXXX  which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to XXXX. It also appears that State Farm has chosen not to correct the action, which comes as surprising as the information is black and white. 

The account is being reported to XXXX  as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ). 

Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed. 

I have since been in contact with XXXX  and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ). 

As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago. 

In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XXXX  XXXX, 30 days after the payment has posted to their account. 

Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months. 

I need confirmation from State Farm directly, as to which payments ( month/day/year of the late payments in question ) State Farm is reporting as late within the last 60 days to XXXX. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate. 

I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.
Consumer complaint received 2019-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

My mortgage was sold to another mortgage company. Equifax reduce my credit report by 21 points and refused to investigate and correct this situation after talking to them over the phone. They place the blame on the mortgage company.
Consumer complaint received 2021-02-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I provided copies of cancelled checks to XXXX XXXX as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested XXXX XXXX remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX XXXX XXXX decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and XXXX XXXX increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX XXXX XXXX reported additional missed payments and XXXX XXXX continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.
Consumer complaint received 2022-12-20
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. (VA)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.

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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (TX)

This medical bill was part of a car accident lawsuit and my attorney paid the debt around XX/XX/XXXX. The company XXXX XXXX XXXX do not exist anymore and a collection company name Alpine Credit , Inc is trying to still collect on a debt that was paid directed to the company by my XXXX  XXXX XXXX. Alpine Credit is also charging interest on a medical bill thats reporting on my credit report. I have tried to contact the orginial creditor to get verification that the payment was received back in XX/XX/XXXX, but I keep receiving different numbers or the company no longer exist. I contact Alpine credit and told them the payment has already been paid and I was told it has not. This debt is affecting my credit rating cause Alpine Credit is reporting and adding interest increasing the amount of the alledge amount every month. Company has done nothing to resolve the matter. I have disputed said charges to the orginial company prior to them closing and selling or giving their accounts away. I had medical insurance also at the time of the accident on XX/XX/XXXX and I don't know why I'm still dealing with this item on my credit report 4 years later. This debt has been paid and needs to be removed because it was from a car accident that lead to a lawsuit.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Equifax Personal Solutions ( https : //facta.equifax.com ) does not have my current name listed correctly. My current name is listed within the " Formerly known as '' section rather than in the " Name '' section.
Consumer complaint received 2019-12-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

We disputed accounts that XXXX XXXX is reporting on a credit report for inaccuracy. They are reporting that I obtained services XX/XX/2019 which is not true. This same medical account was reported by another collection agency last year and it was removed for the same reason not sure why it's on here again. I disputed it through XXXX  and Equifax and without any proof of documentation from the collection agency they continue to report on the account despite the inaccuracies. I have since spoken directly to XXXX XXXX to a manager named XXXX which said they would be removing the account for inaccuracy and that it should be updated by XX/XX/2019.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (DC)

By way of background, Venmo allows direct linking of your Venmo account to other apps including XXXX. For at least the past year, my Venmo account has been linked to my XXXX account. 

On XX/XX/2022, an unknown individual gained access to my XXXX account and subsequently placed an order of {$31.00} at a XXXX XXXX in XXXX, Nebraska. I first learned of this when I received the text message notification confirming the order. The unknown individual changed my login information for XXXX, but I was able to confirm in Venmo that the XXXX order was charged to my Venmo account. On the same date, I called Venmo customer support to dispute the charge immediately.

Initially, the call was taken by a customer service associate. After informing the initiate of situation, the associate promptly transferred me to a member of Venmo 's dispute team. I informed the dispute associate of the situation. I informed the dispute associate that I would like to dispute the charge as I did not authorize the transaction, have no idea who accessed my account, am no way associated with that part of the country, and that it appears that the breach was limited to my grubhub account. My vemno account is connected to my XXXX  XXXX XXXX checking account as I do not deposit funds directly into my venmo account. I asked the dispute associate if I should dispute the transaction with XXXX  XXXX XXXX or if doing so would frustrate Venmo 's investigation. The dispute associate asked that I refrain from disputing with XXXX XXXX XXXX while Venmo investigates. The dispute associate informed me that Venmo would freeze my account during the investigation and would reach out to me regarding next steps. 

On XX/XX/2022, I received XXXX emails from Venmo. The first, received at XXXX EST, informed me that Venmo disconnected my Venmo from my XXXX account due to suspicious activity. The second, received at XXXX EST, informed me that my Venmo account was unfrozen and notified me that the results of my dispute would be communicated to me separately. The third, received at XXXX EST, informed me that the dispute, assigned dispute ID : XXXX XXXX was denied because the transaction was consistent with my payment history. 

At no point was I offered to submit additional information nor contacted by the dispute resolution team. Aside from this, it is unclear to me how any reasonable person could deem a transaction consistent with my payment history, but, at the same time, deem it suspicious activity.
Consumer complaint received 2022-03-30
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: SECURITY FINANCE CORP (LA)

On XX/XX/2022 I received an alert from XXXX stating that I had an inquiry at Security Finance. I did not visit this business nor did I speak to anyone on the phone concerning a loan. When I called to see why my credit report was obtained, I was informed by the manager that she mistakenly ran my credit. I'm not exactly sure how someone can do this by mistake because an application has to be completed in order to apply for a loan, and my social would not have been on this application because I never completed one. She informed me that the she had to contact her supervisor to get the inquiry removed. I filed a dispute with XXXX and the result was that it was legitimate. They did not even contact the company, yet told me that I had to contact them to get it removed. Here we are nearly a month later and this inquiry is still on my credit report which has decreased my score.
Consumer complaint received 2017-10-10
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: Experian Information Solutions Inc. (FL)

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.
Consumer complaint received 2017-10-10
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (ME)

an order was placed for a computer processor for {$500.00} on XX/XX/2019 with my Amazon Prime Store Card is issued by Synchrony Bank. i called amazon right away and stopped the order and amazon stopped delivery i also called synchrony bank and i was told by both companies to change my password and i did that! and the bank was sending me a new card they removed the charge from my account and i thought great glad i have instant notifications on my cell phone on any purchases made but for some reason i am still being charged for the item by the bank even after i called them and told them of the problem they sent me a new card i reset all my passwords and lost the dispute! they added the {$500.00} on my new card on XX/XX/2019 how can this happen now they want me to pay {$500.00} for an item i never ordered, never received, and no nothing about amazon even removed it from my order history and tracking # i spoke with amazon and they agree i never received the item and the bank was wrong but said nothing they can do its up to the bank to investigate i have proof! e-mails, my phone calls to both amazon and Synchrony Bank and name and address of the person and place they tried to have it shipped in new jersey this needs to be dealt with why should i pay for a the fraud? but if i don't pay my credit takes a big hit i have never missed or been late with a credit card or mortgage payment i am not happy with all parties involved this should have been an open and closed case! i provided them the name and address of the person trying to do it! Synchrony Bank is reopening the case but i still have to make minimum payments due on the card. i never carry a balance on any of my credit cards i pay in full before statement date every month!
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XXXX Overdraft fees @ $ XXXX. = XXXX / on an account i opened in XXXX XXXX. I have NEVER run a negative or NSF Balance at any time as noted electronically or on paper statements of my account. They said they would credit ( 7 ) of the overdrafts??? 

See my attached letter in support of my complaint. 

Thank You-
Consumer complaint received 2017-10-10
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX, I sent a letter to Experian requesting that they remove all closed accounts, all accounts that are older than XXXX years or all unverified accounts. I received a response from Experian, however, it was n't what I asked for. They only sent me a credit report. The report had nothing removed, deleted or updated. Nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX. Should be removed.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KY)

Every time I tried to use my card it would be declined, then I would have to call the bank and they would say they thought it was fraud. Then also the returned every check I wrote due to insufficient funds, when there was money in my account
Consumer complaint received 2022-11-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

XX/XX/XXXX my Navient Private loan interest rate was loan ID XXXX 4.25 % and loan ID XXXX 3.75 %, this has been the same fixed rate since XX/XX/XXXX Starting XX/XX/XXXX interest raised from loan ID XXXX to 4.0 % XX/XX/XXXX interest raised loan ID XXXX 4.5 % XX/XX/XXXX interest raised loan ID XXXX 5.00 % and loan ID XXXX 5.25 % XX/XX/XXXX interest raised loan ID XXXX 6.00 % XX/XX/XXXX interest loan ID XXXX 6.5 % and loan ID XXXX 6.75 % Not only is Navient increasing my interest rate but is also capitalizing my interest each month and including it on my principal balance. This will effect my ability to even claim interest on taxes! 

Today XX/XX/XXXX I went to check the auto pay status of my loan and saw Navient without consent or even informing the me the customer has been slowly increasing my monthly interest rate. Today I called and spoke to Customer Advocacy to address this unfair practice. The service team blamed the government for changing the interest rates and told me they could change the rate to whatever they wanted. I was told there is no way to change my interest rate back unless I am in poverty. Customer Advocacy was NOT able to help or even try to change my rates back to the rate they have been at for 16 years. 

I need the CFPB to take immediate action as this is unfair practice effecting millions of student loan borrowers trying to pay off their debt. This is predatory lending!
Consumer complaint received 2019-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (PA)

On XXXX I received collection bill for what it appears on a hospital stay on about XXXX from AmeriFinancial Solutions, LLC., XXXX. XXXX XXXX XXXX, Maryland XXXX I am unaware of their medical debt even exists. On XXXX and again on XXXX I requested via certified letter for a proof of debt with an explanation of a detailed, itemized statement from the collection agency. As of XXXX I have not received any written documentation from Collection Agency. I have a collection report as a derogatory/collection claim on my credit report which is reducing & negatively affecting my credit. 
A phone call was made directly on about XXXX to collection agency with no information shared with me on the what the debt was for or by whom. They requested for proof of Insurance which was mailed to them on the certified letter of XXXX. 
I applied to all major credit report agency for a dispute. XXXX  has responded and returned with a validation of the debt, which it should have been removed from my credit report since I showed proof of inquiring about and the collection agency has not submitted the itemize or detail explanation of debt in return. 
I still do not know what the debt is for and I have collection report on my credit agency which is affecting my credit score.