davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (MD)

Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX  account XXXX my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : 1. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( 98percent usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section.

2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

To whom it may concern : PayPal closed my account for absolutely no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-17
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining no record and the court policy on reporting to bureaus. I then contacted XXXX XXXX and they sent me a letter that I have attached that they can not find a record as well. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.
Consumer complaint received 2020-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

Good day, After XXXX school in XXXX, my federal student loan first originated with a total balance of {$43000.00}. From XXXX to XXXX, the student loan was federal and serviced by different entities including XXXX, Great Lakes, and XXXX. From XXXX and on, the student loan became private with a continuing balance of {$43.00} thousand serviced by XXXX XXXX. In XX/XX/XXXX, I refinanced the private student loan with another bank and the balance currently is at {$28000.00}. 

From XX/XX/XXXX to XX/XX/XXXX, I was making payments to Great Lakes under the income sensitive plan. Every monthly payments were being applied to interest and nothing to principal. This is because the originators at Great Lakes deceitfully placed me in a program where it was interest only driven. At application, they did not explain the features of the repayment program and did not attempt to place in a repayment program that was beneficial to my interests. Due to Great Lakes negligence and greed, after twenty years I am still stuck with making payments on a large principal balance. I have attached the payment history documentation.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I'm disputing the status of the loan ( ID : XXXX ) that I got from Affirm. 

On XX/XX/XXXX I disputed the loan to XXXX  since I did not receive the purchased item from the merchant that I used the XXXX  loan for. In this case I was hoping to use the resources that XXXX had on their website to resolve the issue On XX/XX/XXXX XXXX closed the dispute in favor of the merchant, and immediately made the loan past due. Up to this point, I did not receive the product that I paid for, and the merchant refused to refund, or to replace the item. From that point, the XXXX of XXXX XXXX immediately reported to the credit bureau that the loan was 30 days past due, despite freezing the account for 55 days and not allowing for a payment. 
Website : XXXX XXXX XXXX From website : ( After reviewing the evidence, we'll notify you of a decision within 15 calendar days ( it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction ). 
While your purchase is in dispute, you're not allowed to make payments on your loan. )
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union (CA)

XXXX XXXX XXXX is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that First tech FCU is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with First Tech as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree
Consumer complaint received 2021-05-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams, Rush & Associates, LLC (MD)

To Whom it may concern As the origian creditor ; Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same under 15 USC 1602 ( l ) which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer report immediately as they are violations of my rights as a federally protected consumer under title 15 chapter 41. Also pursuant to 15 USC 1692d ( 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property or any person. William and Rush has threatened to garnish my taxes to in which I am the consumer and they have violated my right to privacy ; pursuant to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy. 


- William and rush associates ( acct : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I requested a emergency transfer of funds by XXXX XXXX the only method I could retrieve my funds from my account. Bank of American have not taken any measures to unsure prompt delivery to access my available funds. Fraud department now stated their has been a data breach. Prior to admitting quilt, Bank of American took over three weeks before releasing my funds back into my account. On XX/XX/2021 I was told by prior Bank of American rep. I could request another emergency transfer of funds without any fee. I spoke with Supervisor XXXX in the east coast about XXXX XXXX. XXXX stated I could only have one fee waived to receive my emergency transfer of funds dispute Bank of American data breach and dispute the fact that Bank of American also held my account XXXX  for 30 days due to the same data breach. Instead I have been waiting for another prepaid card for the third time, to be delivery within 7-10 days. In the meantime bills, food and housing is at a stand still.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo purchased our mortgage soon after we purchased the home. Then, the pandemic hit. We opted to take advantage of the mortgage payment deferment and deferred a few payments. These payments were supposed to be tacked on to the end of our existing loan. We tried to refinance the house to take advantage of lower interest rates and to do some home improvements. Our new lender told us we couldn't do a home improvement loan because we already had 2 mortgages. We never signed anything about a second mortgage and knew nothing about it. Upon further investigation, we noticed that in the online tool for our mortgage account with Wells Fargo, we only saw 1 balance and 1 loan number. But for some reason the new mortgage company saw 2 balances showing with Wells Fargo. Because of this, 2 mortgage companies told us that they couldn't legally offer a home improvement loan to us due to Texas State law. Our only option to clear this up was to do a simple refinance of the house so that we end up a simple, single loan again. In a few months, we will try to get a home improvement loan. This additional refinancing step cost us well over $ 20k that we should never have had to spend. But, we went ahead and did it to get away from Wells Fargo 's misleading practices. Hopefully, they won't buy our new loan from our new mortgage company.
Consumer complaint received 2023-03-24
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: Bread Financial Holdings, Inc. (WA)

Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX My XXXX credit card account was transferred from XXXX XXXX XXXX to Comenity in XX/XX/XXXX. On XX/XX/XXXXXXXX Comenity made a Charge Adjustment to my account in the amount of {$4600.00}. I immediately called them and disputed it. The first four Customer Service Representatives literally laughed and said I had to pay it. I finally spoke with a woman who looked at my account and said it was a " Known Issue '' with their computer system and that she would flag it to be resolved and removed. She stated that it normally could take up to 90 days to resolve but that mine should be settled within 30 days. 
On XX/XX/XXXX Comenity sent me a letter advising me that they were researching it and that I would not be " paying on any disputed amount, applicable finance charges or fees during the investigation. '' I have not heard anything more from them. They did not even enter anything as a Dispute ID on their letter. 
On XX/XX/XXXX they charged me {$62.00} in interest on this Charge and asked that I begin making payments in the amount of {$110.00} each month. I've spoken with 4 more Customer Service Reps. Each advise me to make the payments. The last advised me they had also found another account with a balance of {$6.00}. They said that this would complicate matters and that rather than 90 days it might take a month or two longer than that. But that I should make payments so that my account does not become delinquent.

I had two fraudulent charges against my XXXX XXXX with XXXX XXXX XXXXXXXX on XX/XX/XXXX. One in the amount of {$4600.00} and the other in the Amount of {$6.00}. They researched it and absolved me of any responsibility for paying for it. Comenity 's own records clearly show it as fraudulent charges.

Please have them remove these fraudulent charges and fees from my account
Consumer complaint received 2021-05-30
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: EQUIFAX, INC. (OH)

I have been submiting disputes to Equifax for over 8 months and i feel than I am being treated " UNFAIR '' which is a direct violation of multiple united states codes. I have submitted numerous documentation and made countless phone calls to seek help with inaccurate information on my consumer report. Every agent and or rep that I spoke with have been using obscene and profane language with me causing punitive damages to me as the consumer and in addition to the reps not attempting to help rectify inaccuracies. According to 15 usc 1682 ( a ) ( 1 ) a ) '' ( Accuracy and fairness ) of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In addition to that Equifax have violated federal united states code by assumed a vital role in assembling and evaluating consumer credit and other information on consumers and was never given written consent as needed as defined in 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (SC)

Inaccurate information is being reported my name is reporting inaccurate my address is reporting inaccurate, car loan from XXXX was never late its paid off on time! & its reporting as a missing payment, if youre furnishing information it must be XXXX percent correct not inaccurate 15 USC 1681 Sec. 602 My rights to travel to privacy 15 USC 1681 Sec. 604 A Can not furnish a account without my written consent 15 USC 1666B creditor may not treat a payment on a credit card, account under an open end consumer credit for purpose
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

On XX/XX/XXXX it shows claim payment of over {$29000.00} along with interest and they can not tell me why or apply it to my account. I have been in contact with since XX/XX/XXXX. I want to know why the credit is on there and why they have not credited my account
Consumer complaint received 2023-06-14
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. (NJ)

When I reviewed my credit report, I discovered that this account was erroneous. The Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2021-05-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (KY)

Freedom Mortgages states that they paid my homeowners insurance from my escrow account on XX/XX/2021. The amount of my homeowners insurance was deducted from my escrow account at that time. The insurance company ( XXXX XXXX ) states that they never received my insurance payment from Freedom Mortgage although it was deducted from my escrow account. I called Freedom Mortgage on XX/XX/2021 and they stated that the check for the insurance had been cashed by XXXX XXXX on XX/XX/2021. Freedom Mortgage further stated that they would send a copy of the cashed/canceled check to XXXX XXXX to clear up the matter. At that time, myself and a representative of Freedom Mortgage conference called XXXX XXXX. XXXX XXXX stated that as soon as they received the canceled check they would make my account paid in full. XXXX XXXX never received a copy of the canceled check. I called Freedom Mortgage again on XX/XX/2021 at which time they stated that they will email a copy of the canceled check to both XXXX XXXX and myself within 48 hours. Neither of us received a copy of the canceled check ( again ). I called Freedom Mortgage again on XX/XX/2021 and discussed my frustration with the situation and inability of the company to account for the money taken out of my escrow account. The representative reassured me that within the next 48 hours they would have a copy of the canceled check to both me and XXXX XXXX. She also stated that she will follow up with me to make sure I got it. I told Freedom Mortgage at that time that if they did not follow through within the next 48 hours ( as I have been promised by them on a couple of occasions ) that I will file a complaint with CFPB. The representative assured me that the matter will be taken care of expeditiously. It is now XX/XX/2021 and I still have not gotten a copy of the canceled check and neither has XXXX XXXX. The escrow money has not been returned to my account by Freedom Mortgage and I had to pay my homeowners insurance out of pocket or XXXX XXXX was going to cancel my policy.