davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (FL)

I had been struggling with Identity Theft for over a year, so I contacted XXXX XXXX to help me. They set-up an Escrow Account & contacted all my Creditors & started paying off some of my debts after negotiating new terms with them. This was really taking a long time, so I decided to refinance my house to finish off paying these debts. XXXX XXXX XXXX  contacted XXXX XXXX  to get the negotiated terms with the Creditors & after closing on my Mortgage, XXXX XXXX XXXX paid off most of my debt. XXXX XXXX had been paying Lowes/Synchrony Bank for some time & the balance was down to {$6600.00} which was paid to Synchrony Bank with Check Number XXXX dated XX/XX/XXXX & cashed on XX/XX/XXXX. On XX/XX/XXXX I received my updated Credit Reports. Much to my dismay, my SYNCB/LOWES report showed that Synchrony Bank was still reporting my account ( closed on XX/XX/XXXX ) as Delinquent with a Balance Due of {$8400.00} past due. My Lowes Credit Card XXXX XXXX XXXX XXXX had an {$8000.00} Credit Limit which I never requested increased. So when my Balance showed {$16000.00}, I called Synchrony Bank & asked them how my {$8000.00} XXXX XXXX Credit Card got to {$16000.00} & they couldn't tell me! Well, it was FRAUD & I told them so, I refused to make any more payments. Over the past 18 months I have made several DISPUTES with Synchrony Bank & they continue to demand payment & send my account to several different Collection Agencies. I contacted the Collection Agencies & told them about the FRAUD & they sent the account back to Synchrony Bank because they can't collect on FRAUD. Each month Synchrony Bank reports my account as Delinquent to the 3 Credit Bureaus & is messing with my Credit Score when they were PAID IN FULL for the remaining Balance on my account. Synchrony Bank keeps hounding me & destroying my Credit Rating while trying to collect {$8400.00} " past due ''. I am tired of this XXXX from Synchrony Bank denying they were paid! So many DISPUTES were filed over the past 15 months all with negative results. I contacted XXXX XXXX Mortgage & asked for their help. XXXX XXXX, Senior Mortgage Advisor & I did a conference call with Synchrony Bank trying to help me resolve this, but like all the previous calls I made with Synchrony Bank, NOTHING WAS RESOLVED!! So I am hoping the CFPB can straighten out Synchrony Bank! I don't owe them anything!!! I want my Credit Score repaired! Synchrony Bank has been falsely reporting me as delinquent for 15 months.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}
Consumer complaint received 2015-04-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest.
Consumer complaint received 2023-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (CA)

These services are from XXXX XXXX I did not receive full disclosure on what I was going to be billed. I had a discount medical plan at the time ( I have since changed to a full medical insurance policy with my employer ) and was not informed that I was going to owe over {$1000.00}. I paid an amount with the hospital over the phone of {$260.00} last year and I asked if this was the only negotiated settlement and they said yes. I later discovered that this was a physician fee. I apparently now owe over {$800.00} and do not find this fair or just. I ask that these charges be removed. Thank you
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (IL)

These crooks were sent a Cease and Desist letter through your office as well as the IL Attorney General in XXXX  look at my file! This is also a time barred credit card debt that is well over 15 yrs old the statute of limitations for credit card debt in the State of IL is five years so you need to enforce the FDCPA laws on them for trying to collect on it and I am not required to send them anything nor will I be and am sending all to a debt collection attorney to sue them!! They also sent me four copies of this fraud letter in one day more harassment!! If they contact me again I will also be suing them for stalking and harassment!! I want a copy of my complaint forwarded to the FTC and IL Attorney General so they also can go after them!!!
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Western-Shamrock Corporation (GA)

My XXXX sisters and a cousin has complained to me stating that they 're being contacted several times a day on a daily basis in terms of having been listed as a reference. They 've also revealed to them the nature of the call and where they 're calling from. I know for a fact that they can only leave their name and number and they 're not even suppose to call my references if I have a working phone number myself.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (IL)

On XX/XX/2023, at XXXX, I purchased a Vanilla Gift Card from the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I purchased the card for {$5.00}, and a cash deposit of {$500.00}, totaling XXXX. When I returned to my home, I attempted to activate the card as instructed on the receipt. I noticed that the card was damaged and could not be activated. I also noticed that the 3rd set of numbers were crashed off ( XXXX XXXX XXXX XXXX ). I immediately contact the XXXX store to explain the situation. I spoke with the store XXXX, and she informed me that I could not return the card to the store, and that I would have to contact the Vanilla Gift Card Company to resolve my issue. On XX/XX/2023 I contact The Vanilla Gift Card Company at the telephone number provided on the back of the card ( XXXX ). The person I spoke with informed me that I would have to wait, because they will have to do an investigation. They instructed me to send them a copy of the Gift card, a copy of the purchase receipt, and a copy of my drivers license. Then they gave me a case number : XXXX. I have made numerous phone calls and sent numerous emails for updates on my case. The only answers that they would give me was that the investigation is on going. On or about XX/XX/2023, I contacted theXX/XX/XXXXXXXX, XXXX IL XXXX. They gave me a file number : XXXX. They forward a letter to The Vanilla Gift Card Company, and to me as well, but as of this date they have not received a response to the letter from the Vanilla Gift Card Company. The Law Office referred me to you. I still have the original receipt and the damage card, along with the package that the card came within.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

I filed a complaint with the FTC on XX/XX/2023 since the credit bureaus are using my personal information which is negatively impacting me and preventing me from purchasing a home for my family. The credit bureaus is using and selling my personal information and it is against the law for them to have these damaging information on my credit report. I am requesting that this is review and rectified under law 15 USC 1681. Please help me with getting these derogatory items off my credit report. Thank You
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute those fraudulent accounts, i didn't initiate, I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

COLLECTIONS XXXX  Opened XX/XX/XXXX + {$240.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX + {$1900.00} Original creditor : XXXX XXXX XXXX Opened XX/XX/XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$330.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$4100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$210.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$290.00} Original creditor : XXXX XXXX
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. ()

Between XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from my CRYPTO.COM account to fraudulent investment firm ( s
Consumer complaint received 2023-08-11
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. (IN)

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : factual data finance other than personal date XXXX : XXXX : XXXX factual data other than personal : mortgage reporters XX/XX/XXXX : XXXX : XXXX factual data other than personal : miscellaneous reporters ; XX/XX/XXXX XXXX : : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : : XXXX XXXX : FINANCE OTHER THAN PERSONAL XXXX/XXXX/XXXX ; XXXX : : XXXX XXXX : MISCELANIOUS REPT XX/XX/XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

There is a debt collection on my credit report from Quantum XXXX XXXX XXXX XXXX I have no knowledge of this account and don't have anything to do with this account. 

Overview You have 111 % left to pay on this collection. 
Balance {$2500.00} Highest Balance {$2200.00} Opened XX/XX/2018 ( 1 yr, 10 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (OH)

Crediter bills XXXX month in advance I paid bill and terminated services and returned all equipment the day of termination. They 're trying to to get more money it has already been paid
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to file a formal complaint regarding a dispute I have with Equifax regarding incorrect information on my credit report. On XX/XX/XXXX, I initially contacted Equifax concerning the following inaccurate information on my credit report. As of the date of this letter, I have not received any response from Equifax regarding this matter. Here are the details of the erroneous information and the requested corrections : Account Information : Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$25000.00} I want to emphasize that this account does not belong to me, and I hereby request that Equifax remove it from my credit report as per the Fair Credit Reporting Act ( FCRA ) guidelines.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

My credit score dropped XXXX points between XX/XX/XXXX and XX/XX/XXXX, from XXXX to XXXX. An XXXX credit report shows this account was closed. I never requested or authorized closure of this account. The account was never delinquent or derogatory. This account is a Chase Bank Freedom Unlimited VISA, beginning account numbers are XXXX XXXX  XXXX. Communications with XXXX and Chase Bank resolved nothing, instead provided substandard answers and meaningless rhetoric. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLIANT CREDIT UNION (FL)

When I called Alliant CU about my bill pay and wire transfer. I got a run around, 1st I was told a false reason why my bill pay would not work then the agent spent 40 minutes finding out it was not the false reason she had made up. During this time I could not find out the issue with my account which was not associated with what she was doing. She repeatedly insulted my XXXX even after I asked her to stop saying things that were triggering my XXXX. She refused and kept putting me on hold when I asked her not to. She put me on hold for 20 minutes stretches and on the final one came back and told me she was instructed to hang up on me. I asked about my wire transfer and she said she was hanging up on me. I now do not know if my money is being transferred as I requested or not. I have asked the XXXX to accommodate my XXXX with effective communication for me but thus far the XXXX has not accommodated my XXXX.
Consumer complaint received 2023-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA ()

On XX/XX/2023 I applied to the REPAYE payment plan but I still have not heard from MOHELA regarding the status of my application. I have contacted MOHELA requesting information regarding the status of my application but they never responded to my inquiries. Please request MOHELA respond to my inquiries regarding the repayment plan application.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/2019 at XXXX XXXX, I transferred XXXX XLM from my Blockchain account to my coinbase account. I didn't add a memo due to it being labelled ( optional ) but realized it was needed when I sent the money over. I contacted coinbase and they said they would resolve this issue and have my money in my account within 5-7 business days. It is now XX/XX/XXXX and still no reply or money added to my account.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America Mortgage Loan Officer lied to pressure me to close the loan earlier than required. Further, the day before closing they increased the loan amount for no reason, which would have resulted in cash back I had not requested as well as a higher monthly payment over the life of the loan.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello CFPB, I am writing a complaint against XXXX, XXXX XXXX and Equifax. I've sent them multiple complaints stating they are reporting inaccurate information across all 3 credit bureaus. They keep sending me stall letters stating that someone else is sending my disputes or they send me Verified letters. I have proof that they are not doing their due diligence to correct or remove items on my report. They are still violating the FCRA laws. I have letters from them stating they Verified the accounts but I still see inaccurate dates, balance and status on my reports. Please investigate this for me thank you
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

I submitted a credit dispute around XX/XX/XXXX and results were mailed back to me that dated XX/XX/XXXX. A previous dispute was submitted before this one, but I can not recall the dates. This dispute was to correct an error showing that a collection occurred on XX/XX/XXXX for a student loan from XXXX XXXX XXXX XXXX. I had provided a statement from XXXX stating that the account was paid in full as of XX/XX/XXXX. I tried to explain that the account was not a collection but should have been a paid-off status, even reasoning that an account could not possibly go from good standing to a past due collection. All of these attempts to change the incorrect information have failed. The XXXX account marked as a collection in XX/XX/XXXX needs to be changed to a good standing account that was paid and closed in XX/XX/XXXX.
Consumer complaint received 2016-04-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

Four years ago Wells Fargo Bank charged off a credit line that I had with them. A year ago they filed a XXXX with IRS declaring that they had Canceled or Discharged my debt. Consequently, I included the discharged amount in my income and paid taxes on the Discharged amount. Now, I find that despite the Discharge, Wells Fargo is still reporting the entire canceled/discharged amount to credit bureaus as Past Due and still owing.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Case # XXXX, XXXX XXXX, Wells Fargo Loan # XXXX Foreclosure Sale Date XXXX, I am working with loan modification with the Wells Fargo Home Mortgage Foreclosure Dept. I am trying to fix House Title issue and that is taking time. 
but I can afford reasonable mortgage with me & my family income. I like to request to send complaint letter to Wells Fargo to stop Foreclosure Sale date and work with Loan Modification.
Consumer complaint received 2017-08-15
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. (LA)

I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Experian is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.
Consumer complaint received 2023-08-13
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: ALLY FINANCIAL INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.