davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (NV)

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (CA)

Hi, I have student loans with My Great Lakes.

Their website says that they offer statements in PDF form, although the only way they are capable of doing that is through the mail. 

I requested past statements on CD 1 year ago, and they sent them. Almost 4 months ago, I again requested past statements on CD. 

They gave me endless reasons of why they are capable of doing so, but refuse to do so. And then, recently, they decided to stop all paper communication in the mail, despite clearly acknowledging in writing that they would continue paper statements, send past statements on CD, and send future statements in both paper and CD Format. 

So now, perhaps as retribution, I have neither paper nor PDF statements. 

The only email with a name was signed XXXX, from Customer Experience Response Team.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : Macy 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX {$980.00} should be {$710.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the matter? Thank you!
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (CA)

I got a loan with santander paid the car off in 3 years now theres some audit and they have refused to put it on my credit score also now that the loan is paid santander XXXX it appear i had late payments when at the time i sold the car there was none
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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)

On XX/XX/2020 I booked 3 airline tickets via XXXX using my PayPal Credit Card ( Now owned by Synchrony bank ). The next day I cancelled them and was issue a 100 % refund on the three tickets. 

There are 5 transactions on my XXXX account with regard to the three tickets. Initially I opened a dispute for two erroneous charges ; Synchrony initially reversed three charges and then later charged me all the transactions once again. 

I called XXXX and they confirmed that they only took 3 payments from the account and that all 3 have been refunded. Documents have been attached. 

I have been repeatedly calling, emailing and chatting with Synchrony representatives and there have been about 3 separate disputes and one account change for fraud. 

I'm tired and out of options. I hope the CFPB can help me from these vultures. Please find attached my detailed Synchrony ( Paypal ) Ledger, Proof of refunds from XXXX, My original tickets booked, their cancellation and Synchrony 's responses.
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (AZ)

In XX/XX/XXXX, I received medical assessment and treatment from XXXX XXXX XXXX and that was paid by my Health Insurance ( XXXX of Arizona. ) I received collection letters and threatening phone calls. I wrote the collector regarding the collection, and requested validity of debts, original creditors, and date, place of service. 

On XX/XX/XXXX I received a collection letter dated XX/XX/XXXX attempting to collect on the debt, without providing evidence and validity I requested in my letter of XX/XX/XXXX.

This practice by this Collector violation, Pursuant to the Fair Debt Collection Practice Act, Section 809 ( b ). 

Collection attempts by this Collector should cease immediately, until requested validity evidence is provided to me.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Grant & Weber (CA)

My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.
Consumer complaint received 2021-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

I first called FedLoan Servicing on XX/XX/XXXX to inquire about the process of loan default resolution and after speaking to several reps and supervisors, I was informed to send my XXXX taxes to start the process of getting out of default status by starting the 3 payment process on my student loan. I was asked to fax or mail in the required documents and I did both on XX/XX/XXXX and XX/XX/XXXX costing {$100.00} to do so. After two weeks now on XX/XX/XXXX and numerous calls to the default resolution department at fedloan serving, they aren't able to locate my faxes or mailed documents to start the payment process to get my loan out of default. they provided many excuses along the way, first that their fax machine was not working, then that their backroom department managing the faxes was behind, then that the process to receive said fax or mail documents takes 10 days and lastly to send the fax during XXXX XXXX XXXX because their fax machines get inundated, which I had already done. None of the representatives or supervisors apologized or offered solutions and all had different answers and didn't seem to care. This process is very important to me as I would like to get back on track paying my student loan.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (TX)

Purchased a macerator from Amazon on XX/XX/2019 for {$830.00} and discovered it was defective so it was returned on XX/XX/19 with an approved refund which was never sent. 

Disputed with Synchrony / Sams credit card but they refused to issue a refund stating the merchant indicated " the services were rendered '' - it was not product and not service and it was returned. 

Attachments will show purchase, approved refund, return label, dispute with Sams and their response which demonstrates they did NOT bother reading the dispute OR using a brain to see the product was returned.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NV)

We ( wife & I ) filed ChapterXXXX XX/XX/XXXX only account in CHAPTERXXXX IRS, Hyundai Finance Co. ( auto loan XXXX XXXX was outside paid direct. On credit report/history Hyundai lists account closed/chapterXXXX or charge off. 36 months no payment history! ChapterXXXX discharged XX/XX/XXXX. Court has vehicle direct allowed claim {$25000.00} we have made 48 payments see payment history, credit bureau 's not reporting all disputes filed no corrections XXXX XXXX ( XXXX )
Consumer complaint received 2021-03-30
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: BARCLAYS BANK DELAWARE (TN)

Hi, There were three credit cards opened under my name that I did not open. The three are Baraclay, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/22, a XXXX XXXX asked to borrow my phone and somehow sent money to an account using XXXX through my Wells Fargo banking application. After almost three weeks, Wells Fargo deemed this case as not being criminal since it was done through my phone. Out of good faith I allowed the person to borrow my phone, and Wells Fargo refused to help me recover my money. It seems as if there was no thorough investigation done externally which is unacceptable.
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : DISCOVER BANK Account Number : XXXX Account Type : Revolving or Option Account Status : Closed Monthly Payment : Date Opened : XX/XX/2013 Balance : {$2700.00}
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (CT)

I tried to contact Ally bank several times in 2018 and continued up until now regarding the fraudulent loan I was given with a washed title from the vehicle we purchased. The title goes directly to the bank when a vehicle is financed. Ally bank did not question the integrity of the title for the deal they were financing. CT attorney generals office contacted Ally and spoke to XXXX and XXXX in the president 's office explaining that the deal was fraudulent and that the title was washed. Ally refuses to do anything or go back to the original owner of the dealership to settle this. We've paid for a branded vehicle for 5 years and we've paid of most of the debt all while testing to negotiate with ally to rectify the situation. Ally did nothing and they knew that that deal was fraudulent. The dealer processed all the paperwork on ally behalf. If this is not resolved we will seek legal.action for a full refund of the vehicle price.
Consumer complaint received 2019-08-25
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. (FL)

I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.
Consumer complaint received 2022-06-06
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. (TX)

There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX XXXX directly and advised that each account is reporting differently to XXXX, XXXX, and TransUnion. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (CO)

I tried to call them 22 times and they keep hang up on me .transaction date of XXXX XXXX XXXX XXXX is right, transaction date of XXXX XXXX of XXXX is right XXXX XXXX XXXX  of XXXX is wrong justanswer membershp XXXXis wrong. so it show that XXXX is do not XXXX that is to be taken out. They also list my card as stoning I cut that thing was cut up by me.ie us bank.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2019 I mailed Synchrony Bank Amazon / Synchrony Bank WalMart / Synchrony Bank Chevron a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. Synchrony bank accepted the terms of my contract by cashing my post-dated check. Synchrony Bank is reporting that my account ( s ) is delinquent on my credit report. Synchrony Bank cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX WalMart Mastercard / SYNCB Acct # ending in XXXX WalMart Mastercard / SYNCB XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

XXXX A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, XXXX, XXXX & THE FEDERAL TRADE COMMISSION. ***
Consumer complaint received 2019-08-25
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. (FL)

Multiple accounts are reporting on my credit reports that is incorrect 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****
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Red Mortgage, Inc. (NC)

We have submitted all the documents for closing and they continue to schedule the closing but refuse to send the documents to the title company. We have scheduled the closing 3 times from XX/XX/XXXX - XX/XX/XXXX. While the company will send emails they never respond to phone calls or provide any reason for not submitting the documents.
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (GA)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (IL)

I closed my Apple Card in XXXX XXXX. The provider closed the card with an existing balance. I have reached out to them twice since requesting the card be closed to get a final balance on both occasions I was told a payoff, which I then proceeded to pay. 
In-spite of the card being closed and being given two different payoff amounts, I continue to receive billing notices because the provider Goldman Sachs Bank USA , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Seems to be able to provide accurate information on the existing balance and persist in sending billing statements for amounts that should have been included in the requested payoff balance on the two previous occasions.
Consumer complaint received 2019-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AZ)

On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit. 

FTC REPORT NUMBER XXXX AND XXXX
Consumer complaint received 2018-03-13
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)

Sent certified letter to Equifax and delivered on XX/XX/XXXX, regarding XXXX, No Response from bureau, and my previous complaint regarding hard inquires filed on XX/XX/XXXX still no update or response.
Consumer complaint received 2018-08-01
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. (TX)

Inquiries done with out my consent by Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

On XX/XX/2021, I filed a dispute with XXXX  and LexisNexis regarding bankruptcies that are being reported by LexisNexis without my authorization and approval on my credit. XXXX XXXX is reporting this information without consent and refuses to remove all of my information from all of their databases. I've asked for signed authorization for them to report this information and I have not received a response to my request. I did not and do not give LexisNexis authorization or consent to report any of my information or hold any of my information in any of their databases.