davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of EducationXXXX XXXX I believe that the Department of EducationXXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance.

The details of my complaint are as follows : 1. Creditor 's Name : Department of Education/XXXX 2. Account Number : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of Education/XXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., Equifax, XXXX, XXXX ]. 

Furthermore, I have noticed that the Department of Education/XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge.

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of Education/NXXXX multiple times to resolve these issues but have not received a satisfactory response or resolution.

I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of Education/XXXX adheres to its reporting obligations and corrects the interest charge.

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

On XX/XX/XXXX I sent a complaint to the Consumer Financial Protection Bureau because I could not access my account after repeated attempts and working with customer service. EF said my account was fully loaded on XX/XX/XXXX. Good for you except I can not access it. Yes I did register a new account online after that as requested after transferring to the new system. The last time I contacted EdFinancial was on which was on XX/XX/XXXX and it shows a successful log-in. Yes and No. That was the day customer service was helping me try and gain access. I was able to get in for 30 seconds. I went out and tried to get back in again and it would not give me access. I have used different internet browsers. And yes I have reset the password. None of EF responses were helpful because I and customer service have done this repeatedly. Every time I try and log in, I get an error message that says to reset my account. And every time we do that, and I try and log in, it loops me back to the same error message. On EF side, everything looks great per customer service- you are not getting any error messages but I am. I CAN NOT GAIN ACCESS TO MY ACCOUNT!!! There is a problem with your system or my account that needs to be fixed. The customer service rep did all he could ; he enrolled me in the SAVE plan on the phone and toggled something so that all bills and correspondence are sent via US mail. Because right now, it is the only way I can pay or know anything because I can not access my account. Something is messed up. Please fix it!!
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I have had automatic payments for my mortgage with Caliber Home Loans set up for almost two years. After I lost my job due to COVID I spent two hours on hold with Caliber to call in and request a forbearance and cancel my automatic payments out of my checking account ( this was a full two weeks prior to when it normally comes out ). The call ended with me assuming I was having a 3  month forbearance and my automatic payment was canceled. 
Two weeks later the payment was still taken out. When I called Caliber and stayed on hold for another 2 hours, they apologized for the error and to reverse the transaction they claimed it would take 7-10 days to process a check. I told them this was unacceptable and I will incur overdraft fees. There response was I should call my bank and ask them to cancel the transaction. I expressed to them I do not want to call my bank ( XXXX  ) because I don't feel they should have to do extra work for something Caliber messed up on. I asked to speak with two levels of supervisors and they gave me the same answer. Unwilling to expedite a prompt return of my money and simply telling me to go through my bank. I expressed I understand mistakes happen and not upset at the intital mistake an associate of theirs made by not canceling it but that two levels of management would not do anything to rectify the situation.
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10  days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

Got letters from chase bank stating they were closing all my accounts and credit cards. But never gave a reason..my credit score lost XXXX points and the stress of having to get a new bank and setting direct deposits took hours and days plus we were hit with late fees because we couldnt remember who we did paperless with
Consumer complaint received 2023-07-18
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with trasnunion. checking my file ive noticed alot of errors that needs to be fixed. this has been an issue that ive addressed multiple times an have not changed. please review an remove the following information that needs deleted in th files submitted asap.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MD)

On XX/XX/2023 this company TRS recovery services said I owed {$1000.00} and kept increasing it with interest which now current its {$1600.00}. On that date my whole checking account was overdraft with all the money I had to a site called fanduel. There was fraudulent activity happening on my fanduel account and I had my bank had to close down my checking account. I tried calling this company about this supposed debt but they dont pick up their phones. So, I Called my bank and they never were contacted by them or got information about this debt I owed. I asked them if that was the transaction amount was taken from my account that day from my old checking account and they said they didnt see that amount for it so they were confused why I owe that amount when they dont even see it. Its not even the correct amount of money that was taken from my account yet they dont even pick up their phones so I can dispute it. This trs company asked for information if I reported it to police for fraud but I dont have to give them that information cause they dont even have the right amount of money that was taken from my checking account. I wanted to dispute this amount with my bank but they cant dispute cause that amount was not their that day for the transaction. The reference number for trs is XXXX. They keep bothering me and charging interest on something I dont actually owe and its ridiculous to the point Im gon na have to get a lawyer to deal with this. My bank has not been contacted by you guys and they tried Calling you guys as well how are you coming up with this number? I cant dispute it cause my bank says that transaction amount wasnt even there on the old checking account. Please resolve this cause I already sent you guys a letter on what are the exact details on this supposed amount.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : 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 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I just sent in a question to you a moment ago on here but it hasn't shown up in my previous complaint history so i don't think it went through for some reason. My apologies if it did. Here is a copy and paste of the previous complaint " '' I ordered my credit report through XXXX XXXX XXXX  back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX  doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive my credit report? '' ''
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit 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: DISCOVER BANK (GA)

On XX/XX/2023, I entered into an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXX  for a total price of {$700.00} which included a service fee for using my credit card to pay for the purchase. 
I was asked to pay a 50 % ( {$350.00} ) down payment which I did with my credit card. 

Even though XXXX XXXX XXXX sets up their office like that of a XXXX I was made to understand that they're not XXXX  There's no XXXX  on staff. 

I picked up the finished XXXX on XX/XX/2023 and when I picked it up I was dissatisfied with the fit because it was extremely uncomfortable. 
However, after trying for some time to get the XXXX properly fitted the vendor decided that she had had enough and she ordered me out of her office. 
I was arrogantly told to leave the office and that if I did not leave the office they would call the police to get me trespassed. 

Not wanting to interact with the police. I decided to leave and they told me that I had a warranty. I believe it was 30 or 60 days and that they would freely make adjustments doing the warranty period. 

After a few days I found that the XXXX were still extremely uncomfortable and that everything I tried to consume, even water would cause an astringent reaction and the roof of the XXXX and on top of the stringent reaction, most foods would also cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I called XXXX XXXX and I complained about the astringent and rough feeling on the roof of the XXXX and the suggested I come to their office for adjustments. They also suggest they use any eraser on the top of a pencil to rub the roof off the XXXX 

I mentioned to them that they were unable to do the proper adjustments while I was at their office so it was useless for me to come back because they may once again offer to call the police to have me trespassed. 

I sent XXXX a certified letter within the warranty period asking for them to return my money in exchange for me giving back the XXXX. The certified letter was delivered to them but till this day they have not responded. 

I immediately filed a dispute request with Discover Financial and I sent them a copy of the certified demand letter which was sent to XXXX XXXX which outlined the fact that the goods provided was useless. 

Discover financial ruled in the merchants favor claiming that the merchant sent them proof that I purchased the goods. 

I did not deny that I purchased the goods. What I am Trying to explain to Discover is that the goods is no good. 

I am attaching a copy of this certified letter sent to XXXX XXXX Please help!
Consumer complaint received 2023-09-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/2023, I initiated a transfer of the remaining balance of {$1200.00} from my Ultimate Card to my BECU credit card. 

Subsequently, I was informed that Comenity Bank had received the check, as confirmed by my BECU bank representative, who provided me with proof of the cleared check, indicating that it was indeed cashed by Comenity Bank. However, to my surprise and dismay, my Comenity Bank statement continued to reflect the check as returned, and I was subsequently charged a check return payment fee and an additional interest fee of which I had no prior knowledge.

Initially, I considered the possibility of an error on the check itself. Consequently, I promptly contacted my BECU bank representative, who diligently assisted me in verifying the status of the payment. The evidence provided clearly demonstrated that the check had been successfully cashed by Comenity Bank. Regrettably, despite the conclusive proof of payment, Comenity Bank has yet to reconcile the debt that I have already settled. Instead, I have continued to incur interest charges and fees, which persist to the present day.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, 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