davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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: Experian Information Solutions 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 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

MOHELA incorrectly capitalized the accrued interest from my student loans into the principle balance of the loans. There was no event to trigger capitalization. Per federal regulations ( CFR 685.202 ( b ) & CFR 685.209 ( j ) ) interest capitalizes only after a deferment on an unsubsidized loan ; or if you are repaying your loans under the income-based repayment ( IBR ) plan and no longer qualify to make payments based on income or leave the XXXX XXXX  XXXX Neither of these apply to me. The interest capitalized at the end of a forbearance which is NO LONGER a capitalizing event as of XX/XX/XXXX. It appears servicers are incorrectly capitalizing interest based on now defunct and outdated regulations. 

My accrued interest as of XX/XX/XXXX was {$4900.00}. On XX/XX/XXXX MOHELA sent me a statement which showed my accrued interest had been changed to {$470.00} and my loan balance had grown from {$81000.00} to {$86000.00}. MOHELA sent me no communications stating that they had capitalized any interest. I contacted MOHELA and spoke with a number of different supervisors, each of whom stated that my account would be corrected within days. Two months later my account balance and interest remain incorrect.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (WA)

Last year I noticed a {$16.00} charge on my card from XXXX XXXX  ''. I called US Bank and they found it has been charging monthly for several months. I asked that it be removed, they opened a Fraud complaint and sent me a new card. After 2 months I found the same charge on the new account. I complained again, they said they opened another fraud investigation and sent me another new card. Last month the charge was there again and I complained. I did not want another new card, as that doesn't seem to help. This month the charge appeared twice. When I called I was told that they would open a fraud investigation and would send another card. I asked that they credit my account, not to send a new card and to cancel the one I have. I don't understand how the same charge can appear on 3 different cards if they had truly stopped the charge and investigated fraud.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX new addresses appearing on my credit reports. I have not furnished the address XXXX XXXX XXXX, XXXX, CA XXXX or XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This is erroneous information and needs to be removed from all credit reports. 

The last name XXXX is also incorrect.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

My insurance provider XXXX XXXX was to pay ( and did eventually ) XXXX Colorado for services that they referred me for. XXXX turned the bill over to collections with professional finance even though the bills were eventually paid by XXXX. XXXX made an error and temporarily cancelled my coverage and I should have never had a lapse in insurance. I did communicate with XXXX XXXX about the issue and they said no problem - they would get it handled. I do have correspondence form XXXX that they were at fault and would cover the charges. I was also told there would be no dings on my credit report. Well that apparently was not true. The amounts were {$450.00} and {$330.00} showing as medical collections.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Hello, on XXXX2024 I was scammed by online Job platform.that time i conatcted to my account claim to dispute the amount and cancel the card, my wells fargo bank immediately give me provisoinal credit.but i never recieved any letter .all of a sudden after 2 and 1/2 month I recived a letter from bank, they will deducted my credit from my account, they find no transection error occur that time, I mention this is a autherized push payment by scammer .It is fraud charge .i already again try to contact wells fargo bank customer service they deny to open the case again .please help me to resolve issue .total amount is {$3300.00} which i was scammed by online platform. 
claim no ... XXXX
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to XXXX and TransUnion. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, XXXX and TransUnion. 

XXXX is listed as a Factoring Company. It is listed as an Open Account. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ 2 ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the XXXX, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have sent Transunion XXXX notarized disputes regarding a bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these XXXX letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN WASHINGTON DC that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me.
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Bank, allegedly from XXXX, CT made a hard credit inquiry on me to XXXX. This was not authorized and efforts to remove it are impossible. Their phones are just answering machine. This is illegal and I want the inquiry removed.
Consumer complaint received 2016-05-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I opened an HSA account with my employer beginning in XX/XX/XXXX through HSA Bank ( a division of Webster Bank ). It was free as long as I kept my insurance plan with my employer. I ended up leaving my employer XX/XX/XXXX. However, I kept my insurance plan through COBRA. I believe the computer realized I left the company and began charging me a {$5.00} monthly fee. I was charged for three consecutive months. But then, it appears, HSA Bank received notification I was still on the company 's insurance plan. So, the fees stopped. The XXXX {$5.00} fees were charged in error. I have called HSA Bank three times to get the fees reversed. At first, I was promised they would be taken care of. On the third call, I was told they were charged by a third-party called XXXX, and that I would have to contact them. I also called them. They said they would resolve my fee complaint, but it was never handled. I then reached out to HSA Bank again via email and they still did not correct the fee error. It has now been more than 15 days with four phone calls and two emails with no resolution over {$16.00}.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a Chase Sapphire Reserve card and got approved. I noticed after that the card had an annual fee of {$450.00}. Shocked by the annual fee I called Chase customer service immediately after getting approved to ask about options for changing the card to one without an annual fee. The agent that helped me walked me through the different cards and explained the features that they offer. She explained that the freedom card offered cash back and that the Slate card offered no interest on purchases and balance transfers. She also explained that both of those cards have no annual fee. based on my needs I asked her to switch me to the Slate card for the on interest on balance transfers and purchases feature. She agreed and changed me to it. 
Some time later I noticed that I did n't get any of the promotions that the slate card has so I called and asked why, after speaking with several reps over several calls the lady at the EO explained that even though I got the card for balance transfers that I did not qualify for the offer because I did a product change to that card. I explained that I did the product change on the exact same day within mi nutes of getting approved and she said that regardless that I would not get the offer. I explained that the rep explained that the slate had the balance transfer features and that that is why I had picked it. she said that " the rep explained that the Slate card offers those features but that she did not say that ( you ) were getting those features ''. I feel that this is very deceptive as I made it clear that I selected that card for the No Interest and balance transfer features. she said that she would not do anything for me and that it was not the reps responability to disclose that.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-05
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. (IN)

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my XXXX XXXX XXXX XXXX have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving these consumer reporting agencies the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION.These fraudulent accounts consists of a Auto loan account opoened : XX/XX/XXXX, under account XXXX, Action Collection account Opened XX/XX/XXXX Account Number XXXX, Late Payment From Account XXXX XXXX XXXX  XX/XX/XXXX. I Have XXXX name : XXXX XXXX I Demand all other names be removed from my consumer report, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

I have no contract with this company They have managed to keep this on my credit and this debt is not owned.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  I have no knowledge of this collector and debt that is owed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXXL 
Inaccurate Account number 
Inaccurate date opened 
Inaccurate last date active 

XXXX XXXX
Inaccurate date opened 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I have has fraud on my account this entire year now that I look back over my online banking statements. 
In XXXX I received a fraudulent toll statement from the XXXX. I tried to contact them with no luck so I scanned the QR code that was on the receipt, at that time it opened up my apple wallet on my phone and all my cards and banking accounts were used in fraudulent transactions. 
The bank ( Truist ) refunded a portion of my money back after about 45 days of fighting with them and requesting updated information on the investigation and requesting a chargeback to my account which was denied. 
It has caused my credit score to drop tremendously because I have been unable to pay my bills. 
I am XXXX and the only income I have is my SSDI and I am raising XXXX grandchildren alone. 
In XX/XX/2023 I lost my husband to XXXX 5 months after being diagnosed. The money {$50000.00} I deposited in my account was to be able to buy a house through the XXXX  XXXX XXXX in XXXX because the rent here is too much for me to pay alone.My husband always took care of our household expenses. 
Now I am about to loose my apartment and everything I own because I am unable to pay my bills. 
In XXXX XXXX I received my SSDI check and my account was supposed to be locked to any withdrawals and or transactions. 
Yes I has an account with Truist Money Reserve that was in arrears like all my other bills because the fraud wiped out my 3 accounts. I had been in contact with Truist Money Reserve about my situation and made arrangements to make a {$200.00} payment on the 3 but they went into my account and withdrew all my money leaving {$350.00} in my account and now I am facing homelessness.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union (TX)

i transferred {$1500.00} from another account and they froze my account. They asked me to verify myself which i have and i also offered to give the bank info where the funds came from. They took my rent payment and are holding it with no communication to what's going on. i have reached out to them over 5 times and they wont say anything but someone will contact me. We are currently on day 4 no contact. I was told that on Monday ( today ) i would be able to enter a branch and get my funds and the account would be closed afterwards. I called today they said i cant get any of my funds although i went into a branch and verified myself and the funds. They are rude and been hanging up without providing information where my money will be going, Or how i can get my money that was intended for the rent.
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Counsel, Inc. (FL)

I had dental services from XX/XX/2012 to XX/XX/2012. At the time I was covered under XXXX. I paid for the remaining balances with my credit card. I submitted paper work for the dentist to be paid directly from the insurance carrier ( XXXX ). You will note that is what happen on the claim form. The dentist indicated that " XXXX paid patient '' at the bottom of the claim form bill. 

I was contact recently and ask to pay a bill that was supposed to be paid by the insurance company back in XX/XX/2012. I have subsequently changed employers and insurance carriers. The insurance company does not keep records back that far. 

I have asked for a canceled check from the insurance company to show that I cashed any check. They do not show one being cashed my me and the collection agency can produce any documentation showing that I received payment ( other than the handwritten note at the bottom of the bill page ). 

I am being as to pay for a service almost XXXX years later with no indication that the bill was submitted to the insurance carrier ( rejected or paid to me XXXX. 

This wrong and unethical. The credit collect agency it threaten to submit this claim to the credit reporting agencies to " damage my credit ''. This is also wrong. 

The person that made this " threat '' was XXXX or Credit Counsel, Inc ( XXXX, XXXX, FL XXXX ). Email : XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX BALANCED {$18000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX BALANCED {$8500.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX