davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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. (NV)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years. 
15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

My student loans were transferred to Nelnet. They only have 3 years of payments counting towards forgiveness ( the current year of forgiveness is showing as XXXX ) but I've been repaying on the loans ( IDR, $ 0 monthly payment ) since XXXX. And was also making monthly payments on them between XXXX and XXXX. The total number of monthly payments should be far more than 3 years ' worth. I'm unable to pull records that far back due to the transfer and the lack of documentation with the new servicer.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

i recently turned 18 and wanted to set up credit monitoring to access my credit report and score using Equifax free product. Upon signing up, Equifax wanted to do an additional verification by sending me a letter by U.S. mail with a PIN to verify my identity. i had already uploaded my valid government issued id when i initially tried to register for an Equifax consumer account. After i received the verification letter by mail, i entered the PIN to my Equifax account. It showed accepted and validated, and i received a welcome email that i successfully established my account with Equifax. However, whenever i tried to log in to my Equifax account, it will not let me log in and gives me an error message. ... '' We are temporarily unable to complete this request. 
Please try again later ''. 

i contacted Equifax customer support for assistance, and Equifax refuses to respond or communicate with me. The problem persists, and i am unable to access my Equifax account. 

Equifax is denying me access to my credit report in violation of federal law.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit 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 (NV)

I have been an Amazon credit card holder through Synchrony Bank for several years with a credit line of {$10000.00}. Account # XXXX and I have attempted to work with Synchrony 's customer service department ( XXXX ) XXXX on six different occasions since XX/XX/2022, to resolve a refund due in the amount of {$240.00} for a product returned to the seller. 

Despite providing Synchrony with proof of the return and an email from the seller acknowledging receipt of the returned product, Synchrony continues to drag its feet by not providing the refund or issuing a temporary credit to my account while they review my claim.

In frustration, and not wanting to jeopardize my credit score, I have paid my account in full and would request your team 's support in holding Synchrony accountable for not adhering to the required steps involving a credit card dispute. 

The product was returned to the seller on XX/XX/2022, via XXXX tracking # XXXX ( defective ), as well as the secondary replacement product on XX/XX/2022, via XXXX Tracking # XXXX and delivered to the seller 's dock door on XX/XX/2022, and signed for by XXXX. 

Order # XXXX XXXX XXXX $ {$240.00} email from the seller and provided to Synchrony - " Thank you for confirming that the return shipment was sent back. Amazon should have processed your refund automatically when you returned the replacement, and Im not sure why they havent processed the refund. We will have Amazon process your refund back to your account now, and they will send you a confirmation once its been processed. Please let us know if you need anything else, and sorry for the inconvenience ''.
Consumer complaint received 2023-03-22
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (GA)

During a Timeshare presentation on XX/XX/2023 at XXXX XXXX. The sales consultant I sat with for 9 hours used predatory lending practices on me. I arrived at my XXXX XXXX  appointment to ONLY listen to the presentation with the intentions to not purchase anything. As soon as I sat down with XXXX, I told her I was unemployed, my dad had just passed away and I wasn't buying anything. She went on and on asking me about my upbringing, my personal relationships with my sisters and my children. She told me that she she's herself in me. I'm afraid to live, she stated how us XXXX people live in fear and don't want to take chances and invest in real estate. She stated that purchasing a timeshare would allow me to own real estate, I will receive a deed and I can pass it down to my children. Out of nowhere the man who gave the presentation rushed over, gave me tissue and started talking about how I can use the timeshare as an XXXX and generate income. I believe he the one ran my name for the credit card because he commended me on my credit score. I've never heard of Barclays Bank. There is no reason for me to need a Barclay 's credit card. This account is not mine. I explained to XXXX that I could not afford a timeshare and that was not a smart investment. After sitting with her for 9 hours, she called a friend of hers & told him, " I found your wife! '' She also invited me on a trip to XXXX. We mostly talked about my personal life. I still don't quite understand timeshare and I most certainly didn't sign up for a credit card. XXXX used predatory lending practices. She dug deep into my pain, and used that to prey on me and my emotions. I felt as though I was in a therapy session revealing my skeletons and talking about my childhood and broken relationships. I've emailed. I've called, I've also disputed this credit card with all three credit bureaus.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I recently checked my consumer reports to find that these two collection accounts remain on my consumer reports. I am not liable to this alleged debt with Portfolio Recovery Associates, LLC. This company has two collection accounts showing on my consumer reports. Account number XXXX in the amount of {$460.00} and account number, XXXX in the amount of {$430.00}. I am not liable to this alleged debt with Portfolio Recovery Associates, LLC. I never entered into a contract or credit transaction with Portfolio Recovery Associates, LLC. Portfolio Recovery Associates is in violation of 15 USC 1692 b, this company is infringing on my right of privacy. Portfolio Recovery Associates, LLC is also in violation of 15 USC 1692 d and 15 USC 1681, accuracy and fairness of credit reporting. These are two inaccurate collections that has been furnished to my consumer reports which has resulted in my credit worthiness and reputation being ruined.
Consumer complaint received 2023-06-30
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XX/XX/XXXX, I received a notice dated XX/XX/XXXX saying my escrow account was going to be short and that my monthly escrow payment of {$330.00} was going to be increased to {$770.00}. I contacted Bank of America in XXXX or XXXX of XXXX about this issue. I told them that there is no way that their calculation is correct. They stated that the algorithm determines how much I will owe and that the only way to change it is to wait until the tax bill comes out. 

The tax bill came out and my first installment was paid by Bank of America using my escrow account in XX/XX/XXXX. The algorithm calculation of what was going to be owed on my taxes was clearly wrong, yet Bank of America continues to charge me {$770.00} per month. When Bank of America made those first tax installment payments on XX/XX/XXXX, they should have done reanalyzing of my escrow because of the obvious inconsistencies with their estimation which was requiring such a large monthly escrow payment ( Well over the legally allowed cushion ). 

My breakdown of what should be in my escrow account is as follows : XXXX Tax Bill Home : {$4100.00} ( First installment : {$2200.00} ; Second Installment : {$1900.00} ) XXXX Tax Bill Parking Spot : {$670.00} ( First Installment : XXXX ; Second Installment : {$300.00} ) Homeowners Insurance : {$430.00} Total due in XXXX : {$5200.00} I faxed over the yearly tax statements to Bank of America on XX/XX/XXXX so that they can not claim that their estimation is correct, but paying this large amount every month has been extremely difficult for me.
Consumer complaint received 2022-07-31
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. (IL)

I went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2022-11-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (SC)

As stated by the online portal when I had access, my payments fell behind in XXXX of 2020. Since making an initial complaint about Amerihome Mortgage, I have been unable to access this online portal. When the company took over XXXX XXXX, everything pretty much fell apart. I was in a forbearance plan and could not get in contact with anyone from Amerihome Mortgage regarding a loan modification for months. I made a XXXX  complaint and finally someone reached out and filtered all of my paperwork to the department that claimed the documents had not been received prior. A few more months pass and Amerihome Mortgage denies my application without a valid reason, other than I did not meet the requirements and I did not qualify for any of the COVID hardship related programs. I told XXXX of their representatives via a supposedly recorded phonecall that there were no valid reasons. He stated that he could only see that I did not meet the income requirements. When I completed my paperwork, I had more than XXXX of my income leftover for mortgage payments. Somehow this company found a loophole to deny me a loan modification based on my income. I informed the representative that I made the same income used to obtain the loan several years ago, so it's ironic that I don't meet the income requirements. The representative stated he would resend paperwork for a loan modification so I could complete them again. I have yet to receive those documents. I also informed him that I submitted an application for assistance and was working with an agency designated for COVID related mortgage assistance. He stated to call back when approved and everything else was fine. Less than a week later, Amerihome Mortgage has proceeded with foreclosure. I have yet to receive the promised loan modification paperwork. This company is a complete scam and the people responsible for modification approvals are truly deceitful. I do not want anyone else making a mistake and choosing this loan mortgage company.
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (MN)

Hello and thank you for your time researching this. I've been a customer of Square payments since 2019 for my small business, which is a one-store brick and mortar location. Being it is a XXXX XXXX, I have to collect a refundable damage deposit in addition to the rental fee. At the conclusion of the rental, the client is refunded the damage deposit. Square has implemented a new policy to charge small businesses a fee on refunds. This is an unethical practice as a small business is not retaining these funds and therefore should not be assessed a transaction fee. This was THE main deciding factor when choosing a payments platform for my small business, and Square is now going to charge small businesses for funds they're not keeping. This has a major impact to my small business on top of the many other significant price increases it continues to face. I've already contacted the company via email and phone, and they have not been reasonable to discuss any options to help my business.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate account.
Consumer complaint received 2021-02-13
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NC)

So in XX/XX/XXXX my car was total in a hit and run accident. After notifying my insurance company, they notified my lender Santander Consumer USA. In which the total loss payout process started. XXXX paid over {$9000.00} and then gap was suppose to cover the difference. Fast Forward to XXXX XXXX Gap finally send out the payment to lender. At this point we have been getting called about missed payment and how where 60day past due on a car that was total. Before the accident my wife and I never missed a payment even paid early even after covid shut us down and I lost my job. I reach out to my lender to learn what going with our account, I found out that there was a remaining balance and I paid it even without having a job. I was told that they would back date everything but the only thing they backdate was the gap payment and still reported the late payment even after I paid. I called the lender first to try to resolve the issue being that we had amazing payment history with them and they told me it nothing they can do even in a state of emergency with Covid and thing being truly out of my hand but I made it my business to fulfill my end of my agreement with my lender by seeing the loan to completion. I have called my lender over 40 time from XX/XX/XXXX to XX/XX/XXXX and no resolution.
Consumer complaint received 2021-05-27
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. (TX)

To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX  that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (CA)

On XX/XX/2023 I sent a letter to the XXXX consumer reporting agencies ( Experian, XXXX, XXXX ) to remove the bankruptcy that is on my credit report because it is reporting inaccurate information. 

They responded my saying it is verified. 

XXXX said it was verified through XXXX XXXX. 

As a CONSUMER I have the RIGHT to privacy. 

15 USC 1681-CONGRESSIONAL FINDINGS XXXX a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b- Permissible Purpose of Consumer Reports I did not give them any instruction in writing to furnish this information. So if I didnt give any written instruction, why did they put this on my credit report.

15 USC 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

Also if Experian, XXXX, XXXX, XXXX XXXX have the reference/case number wrong. I have the right to 100 % accuracy reporting. 

Case number : XXXX Experian : XXXX XXXX : XXXX XXXX  : XXXX
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Received an alert that a collection account was added to my credit file. The account stated CCS collection in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. 
I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. 

The company they state I owe is XXXX  XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX  to verify the debt they said there debt was valid. 

I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. 

Please remove this fraudulent account from my credit file correspondence below. Thanks.