davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

This is regarding my Amazon acct from the title of the company. I have an Amazon acct in good standing that can be verified. I even have a credit amount with them currently that I pay on monthly and have never missed a payment. 
I am a XXXX member, and have bought dozens of items over the last few years, always paying for my items up front before delivery. 
I had, or have a credit account that I had an XXXX credit card for, and bought some solar panels and batteries a couple few years ago which I am still paying off and always on time. 
The credit underwriter has refused to give me access to what s/b my credit line with them, even though I haave continued to pay down my original credit line of I think it was {$1600.00}, and which now stands at {$1000.00} or close to that. 
So this " other '' Amazon acct shows it was written off some time ago which I do n't understand because I 've only had XXXX acct with Amazon for years now. 
The only thing I can think of is that when I filed for bankruptcy in XXXX that it might have been part of that, but I do n't remember. If it is/was from then it should have been taken off my record since it was over 10 years ago now and already charged off. 
Amazon is free to view my current account standings, and it should reflect that I even bought XXXX items yesterday on XXXX/XXXX/XXXX, and that paid in full.. 
Amazon can also check my credit line (? ) status and see that I 've been a loyal and faithful customer and payee to my credit acct that I have set up for automatic payments each month. 
And have never missed a payment I believe. 

I would like Amazon to audit their records on this account problem because even though I have an account of what I am certain s/b in good standing, this continued bad debt keeps showing up that I believe I do n't owe, and it shows being charged off, and yet for some reason they are showing a missed payment on this " other acct '' that I 'm suppose to be being charged for and yet have never ever received and bill or notice about, even though I pay them religiously on my real credit acct and have bought dozens of items through my Amazon acct and not once was informed about this or where it comes from. 

So I am pleading with Amazon and their accountants to remove this {$250.00} item and charge it off or something and close this matter once and for all. I believe it 's a hindrance to me being evaluated by other company 's for possible credit consideration. And I 'll say that I hope that someone who audits this wiill understand that thiss was something that somehow found it 's way outside of the regular accountant channels and should therefore close it and take my name off it and not punish me for bringing it up to them. 
Whoever is assigned this I appreciate your time and due diligence in helping to resolve this matter and get it finally close this matter again ... .once and for all.
Consumer complaint received 2016-06-24
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKE MORTGAGE COMPANY INC. (IN)

A local mortgage company, Lake Mortgage, advertises it 's current interest rates and products and APR in the local newspaper The XXXX mortgage rate monitor as well as their online ad XXXX. The problem I 've noticed for well over 1 year is the APR on FHA mortgages is nowhere near accurate and therefore deceptive. Currently as of XXXX/XXXX/16, they are advertising an FHA 30 year fixed rate of XXXX with an APR of XXXX. Due the the cost of mortgage insurance alone, I believe the APR is much higher than what is consistently being advertised.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NY)

BBVA had a free bank account with no minimum. They apparently got acquired by PNC. I was not informed about this well enough. Account was forcibly converted to PNC account. 

Suddenly I start getting emails saying your minimum account balance is low. I thought it was a scam at first since I dont have a PNC account. 

2 weeks after I get a message saying my account was negative and that I will be charged a fee for account being negative. I immediately transferred {$2.00} to make up for the fee they charged. 

The kicker- the fee was for paper statements. I was enrolled in Paperless statements with BBVA and of course PNC being scum decided not to honor and likely charged millions of customers {$2.00}. I then begged them to close the account and they refused. 

I have been trying to get the account closed with no end in sight right now and still being threatened to be charged a fee.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had identity theft for XXXX yrs. I had a perfect credit score. I have after all these years finally gotten it all off. My score should be in high XXXX. It is in XXXX. With the theft in XXXX. I had police reports, took girl that did it to court, addresses where I lived during theft that did n't match. I do n't think it 's fair that they wo n't put my score where it should be. I pay every bill on time. Everything on my credit report is mine now except most of a student loan. That is under investigation.
Consumer complaint received 2021-12-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Earlier this year my loan had gone through a loan modification through Loan Care. I have always made my payments on time, but by XXXX 2021, I started to receive automated and live phone calls from Loan Care . While some of the representatives were respectful and " pretended '' to be helpful, there were several that were not. Each call inquired as to why I had not made a payment and the ones that were disrespectful, were demanding and belittling. Each individual I would have to explain I had made every payment on time, but for some unknown reason Loan Care was moving my payments to another account, which made it appear as if I had not paid my mortgage. They would check and discover what I was saying was the truth. Each representative/supervisor/manager/ would add a note and advise " you will not receive any more phone calls. '' However, the phone calls continues and by XXXX I had spoken with Loan Care representative over 20 times, from their Collections, General Representatives, and Mitigation department, spending over 30 hours on the phone. This is not including their automated phone calls, with an approximate number of an additional 30 phone calls. 

Also in XXXX I received paperwork in the mail, from Loan Care, that I needed to make a payment or my property would be foreclosed. I again spoke with another representative who was finally able to correct Loan Care 's mistake and moved my money to the correct account. I had enough money, that I was one month ahead of payment and still had nearly {$700.00} credit on my account. 

However, this did not stop the phone calls, since XX/XX/2021 to XX/XX/2021, I have received an additional 30+ phone calls. Every time I received a live phone call ( where I am speaking with a representative ), I have to tell them to review their notes and ask why they are calling me. Each time they apologize and advise they are from the Collections Department from Loan Care. They each advise they have added a note to my account and I " should '' not receive any further calls... .which is untrue. Today specifically I have received 4 automated phone calls and one live phone call, where the representative called me to tell me his computer is not working and placed me on hold for nearly 10 minutes. I had to ask him several times why he was calling and he would just advise his computer was not working, but to " hold. '' After 10 minutes, he told me to call him back " when my computer is working. '' I advised him I would not call him back, as I am tired of the harassing phone calls and mail.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (SC)

XX/XX/2021, Innovis is reporting a XXXX XXXX XXXX  account which is a Charge off account. After filing a charge off during tax season XXXX XXXXXXXX XXXX is required by law to list a charge off as a XXXX  balance. This is inaccurate reporting by XXXX XXXX XXXX and must be DELETED due to inaccurate reporting to any consumer credit agency. I have attached a copy of my Innovis consumer credit report as proof that XXXX XXXX XXXX is reporting a charge off account with a balance of {$990.00}.
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Trans Union is in violation of this law.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I lost my wallet last year. Since that time I have had XXXX inquiries appear on my Experian credit report. I first called Experian in XXXX of 2016 when discovering the issue and they told me it was nothing that they could do and that I would have to contact each company that put an inquiry on my Credit Report. I did that and each company directed me back to Experian. So on XXXX XXXX, 2016, I called Experian to report it as fraud and the representative at Experian stated that they would put a fraud alert on my account and handle the inquiries. I pulled my report today to find out that they only did an investigation of the inquires and did not remove them. The inquiries are fraud and should immediately be removed from my report.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Convergent Resources, Inc. (IL)

KEEPS CALLING MY WORK, CELL AND FAMILY MEMBERS AND SKIP TRACING AND ILLEGAL BACKGROUND CHECKS. THEY HAVE VIOLATED TCPA, FCRA, FDCPA.
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SUNTRUST BANKS, INC. (TX)

I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers.     Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions.     Recovery company number which suntrust had call me  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ASTA FUNDING INC. (MD)

I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old . I was incarcerated when the debt went into default. I have not been notified of the debt from  Palisades   XXXX  or  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , located in  XXXX , MD, until this time. The {$710.00} debt has accrued other interest and fees over the years, totaling over {$1500.00}.
Consumer complaint received 2022-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

All hard inquiries and all soft inquiries reported on this credit profile are unrecognizable and unauthorized. No consent was given to XXXX, XXXX, or XXXX to report any inquiries displaying on this credit profile. Due to these reports that weren't given to lawful consent, the credit scores were effected tremendously with each credit bureau causing major downfalls to the consumer. All consumer laws were broken to withhold the consumer from operating in legal and lawful commerce within the past 5 years.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21, XXXX checks totaling {$1600.00} ( that were made payable to XXXX separate insurance companies ) were stolen from my mailbox. The checks were altered. Unauthorized amounts were paid to XXXX XXXX ( for {$2100.00} ) and XXXX XXXX ( for {$4000.00} ). I have never met these people and an unaware as to how this occurred. My bank is Chase. It is my understanding that XXXX is a XXXX XXXX customer and XXXX is a client of XXXX.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC (NM)

I received a message on my work phone from a XXXX XXXX. She did not identify the name of the company of provide any details about her call except to say that it was my last chance to contact her and make arrangements before legal action would be taken and it would permanently affect my record. I see that they called my work phone on XXXX, XXXX on my work phone on XXXX and stated last chance to call them and have the process rescinded was XXXX/XXXX/16. 

From XXXX XXXX, I see that they also use the following phone numbers to collect and I have been contacted by these numbers also : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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. (IL)

On XX/XX/2021 I certified mailed a XXXXXXXX XXXX Identity Theft report, with a clear legible copy of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me. They received it on XXXX XXXX. I called today and was told by XXXX agent that my social security card wasn't legible. I was transferred to a supervisor who then said it wasn't processed because I didn't include the dates of the inquiries on the FTC Identity Theft Affidavit. I said it didn't ask for the dates and there wasn't room for them. She then informed me that the inquiries I listed were not on my Equifax credit report. I asked well why then was my Identity Theft report not used to block the fraudulent accounts listed on it and the fraudulent names and addresses. She said the entire report couldn't be used because the inquiries didn't have a date attached, even though the inquiries were not on my Equifax report. I told her they are listed because they are on my XXXX and XXXX reports and I listed fraudulent info for all three agencies on the FTC Identity Theft Report. And she also said they are investigating each account and to resubmit legible, all the paperwork with dates for inquiries. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-10-03
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX. XXXX, XXXX & XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (NJ)

i have previously contacted Equifax, XXXX, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (PA)

I found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. Experian accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I am writing today in regards to my citi card account # XXXX I made all my payments on time it seems that some interest was added once the account was bought to a XXXX balance. I was unaware of this I was out of the country and since to my knowledge no balance remained I had no payments to make on this account. When I reached out to Citi they informed me that they will reverse the charges leaving me with a XXXX balance. Yet they failed to remove the derogatory indicators in XXXX and XXXX of 2021.
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

Paypal accessed my personal checking account without authorization, in what I believe was retaliation for sharing my personal account of their facilitation of fraud. 

I am complaining about Paypal in the capacity of a consumer using its services.Not as a business. 

On XX/XX/XXXX I received a notice that a transaction made on my paypal account was being disputed. 

I provided evidence that the claim was false and Paypal agreed. 

But Paypal decided to decided to facilitate fraud and pay off the scammer from its own account, stating it would not take the money from my account. ( see attached ) I was not satisfied because Paypal was quite literally supporting fraud on my electronic account and not accurately representing the outcome of the matter. 

I complained publicly in a personal capacity about Paypal facilitating fraud. 

I posted on social media accounts and requested they provide additional details regarding their illegal support of fraud on bank accounts. 

Instead of answering my questions, Paypal retaliated for my public comments and illegally debited my account without any reason or authorization. 

This occurred in the capacity as a consumer. Not a seller. Not a business. As a consumer -- they stole funds from my personal account -- a debit completely unrelated to any open transaction. 

They just stole it. 

At this point, I do not believe Paypal will respond with truth, but I am hopeful the CFPB will look at the pattern of conduct across complaints regarding Paypal 's actions and investigate and audit it to identify how many victims and how many unauthorized debits it has made.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AR)

I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX XXXX XXXX. 
XXXX accounts with Dept of Education XXXX with acct. number XXXX reporting inaccurately. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly. 
XXXX account with XXXX XXXX acct number XXXX.
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I paid off a  XXXX  's credit card through a debt consolidation plan called  XXXX   XXXX  on  XXXX    XXXX  .  XXXX  brought a " ghost '' debt in  XXXX    XXXX  . I have sent them and  XXXX  documentation proving that this debt was paid to no avail. The account number are almost identical but  XXXX .  XXXX  's account has an extra zero.  XXXX  will not remove this debt from my credit report despite writing several letters including a statement from my debt consolidation plan.     Attached is a statement from my debt consolidation plan.     What else can I do?     I can be reached at  XXXX .      XXXX   XXXX   XXXX