davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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)

I have made many attempts to fix my problem wit Equifax, and I have been given the runaround for over the last XXXX yrs I was told that all of my information was handle in The Office Of Consumers affairs. I have documents where I have sent over 12 certified letters with in the last XXXX yrs and to my avail nothing. I was last told on today in which it is XX/XX/22 that they have not received my documents but on XX/XX/22 I was told by XXXX that they received them but they were putting them in the system. I have sent over FTC, Driver Licenses, Police Report, Birth Certificate and Social Security card. And still no avail I was even told by XXXX that work in Consumer Affairs that he received follow suites letters from other bureaus and they still did not do the right thing.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
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. (TX)

In accordance with the Fair Credit Reporting 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
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I am filing a Complaint against Synchrony Bank XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX Facts : In XXXXXXXX XXXX I paid in full {$120.00} for a bench press, from QVC. 

The debt was paid check number XXXX, Bank XXXX which was converted on XX/XX/2020 ; Serial Number XXXX ACH Converted Item. 

DESPITE ACKNOWLEDGING THIS DEBT HAVING BEEN PAID, TIHS BANK CONTINUES TO ASSESS LATE FEES, AND, HAVE DEFAMED MY CREDIT BY FALSELY REPORTING A DEFICIENCY TO THE CREDIT REPORTING AGENCIES., AND, AS A DIRECT RESULT, OTHER CREDIT CARDS ARE BEING CANCELED AND MY CREDIT LINE REDUCED. 

I CONTACTED SYNCHRONY MANY TIMES, THEY CALLED ME AND LIED TO ME AND TOLD ME THIS WOULD BE FIXED, AND, INSTEAD, THEY DID THE OPPOSITE, AND DEFAMED MY XXXX 

I HAVE CONTACTED THESE SCOUNDRELS NO LESS THEN TEN ( 10 ) TIMES, BUT, THEY JUST REFUSE TO FOLLOW UP, AND CHANGE THEIR NEGATIVE DEFAMATORY CREDIT REPORTING. 

THEY ACTUALLY HAD THE AUDACITY TO TELL ME THEY " WERE NOT SET UP TO RECEIVE PAYMENT IN FULL '', BUT THEY ACKNOWLEDGED THE DEBT WAS PAID IN FULL.. 

YOU CAN SEE BY THE VOLUME OF COMMUNICATIONS TO THEM, FROM ME, THAT THEY HAVE NO INTENTION OF FIXING THEIR MESS, AND, THEY WILL NOT VOLUTARILY DO ANYTHING, OTHER THEN TO CONTINUE TO DEFAME MY CREDIT. 

I ALSO SENT LETTERD AND EMAILS TO XXXX XXXX XXXX XXXX XXXX and XXXX Synchrony Bank Corporate XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, Utah XXXX, BUT, SHE IGNORED MY LETTERS AND EMAILS, DESPITE HAVING MADE XXXX XXXX DOLLARS LAST YEAR!!! 

I WANT MY CREDIT FIXED, AND, I WANT SYNCHRONY BANK TO STOP DEFAMING MY CREDIT. 

I AM ATTACHING MANY OF THE COMMUNICATIONS, SO, YOU CAN SEE HOW SYNCHRONY IS TREATING THIS LIKE A JOKE. I DO NOT FIND IT AMUSING. 

XXXX XXXX ATTORNEY AT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/2021 I tried to transfer money from my XXXX account to my Wells Fargo account. For some reason the XXXX account did not link up with my bank account, Wells Fargo. So, I called the XXXX Customer Service line, which I found online. 

A man with a foreign accent, which I thought was a call center ( which made sense to me ), asked me for some information on my account. Then, he said he could help me transfer the money. I did as he asked. He said I needed to access my Wells Fargo account so that he could link up the XXXX account. He directed me to enter Server Codes into a XXXX transaction. He gave me the name and the code. At first, I was suspicious, but he said that I was not transferring money, I was merely helping him connect the two accounts, Wells Fargo with XXXX. 

The first attempt he informed me did not work. So we repeated the process several times. He spoke very fast and instructed me step by step to follow his instructions. But I suddenly became very suspicious. So, I asked him to wait a moment. 

Thats when I looked at the balance of my Wells Fargo account, just to check ( I was feeling something might be wrong ), and sure enough he had manipulated me to transfer him money NOT server codes. At that moment when I told him of my balance he hung up. I tried to call him back but the line would not pick up. I tried over and over again but nothing. I was panicking! I has just been manipulated to transfer {$2900.00} out of my account! 

I immediately called Wells Fargo to inform them what happened and they said they would look into it. They did say it did appear it was a case of fraud because I did not knowingly transfer money through XXXX but, rather, server codes. Wells Fargo assured me they would look into it and that they would very likely refund me my money. 

I also called the police department in my town. They sent an officer to my house and I filed a complaint. I have a copy of it, if you need it. 

Today I got a letter in the mail informing me that Wells Fargo will not refund me the money! 

Please, please help me. I am a XXXX and I am XXXX XXXX XXXX. This money that was stolen from me accounts for more than half my savings!!!
Consumer complaint received 2022-01-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

In XXXX XXXX Bank issued a sub prime predatory private student loan to my mother and I for my brief attendance to XXXX XXXX in XXXX XXXX Florida. 

Rather than the loan being sent directly to the school for payment, the loan was sent to us the borrowers. As this was XXXX, we truly did not qualify financially for this loan, and it was provided during the sub prime mortgage nightmare. The loan was issued for a little over XXXX with a variable interest rate of up to 8 %. 

The loan has now been held by Navient for many many years. At many times Navient deliberately increased the interest in a predatory way causing undue harm and emotional stress to my mother and I. There have been little to no repayment options. 

In XXXX even though I was still attending a local university in XXXX I was forced to being repayments of {$270.00} a month. No options were provided for lower payments and any forbearances offer were only provided for a short and predatory duration. 

After paying the loan down over time the interest rate was increased within a 6 months period from 2 % to over 6 % this wiped out any progress made from the payments. 

There are no options for settlement of consolidation. 

As Navient was ramping up for the settlement they have been deliberately pushing private student loan borrowers to refinance through their company. In a direct and terrible way to ensure they don't have to settle the debt of borrowers who would have qualified for the XXXX settlement.
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2022-01-14
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and removed.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : MXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-14
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: Navient Solutions, LLC. (FL)

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account ( Navient - XXXX and XXXX ). Because the accounts being reported by your company, XXXX, XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2022-01-13
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. (NJ)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PLS GROUP, INC (NC)

On XX/XX/2022 I was at XXXX making a purchase for my household. After ringing my items I attempted to utilize my card three different times before I asked a store associate for help. She then attempted to help me four more times before I had to call the company itself. During this phone call I was told that I had to use the credit option instead of debt because of the fact that I did not have the additional funds to utilize the debt option. I also asked to speak with a supervisor and was provided with none as I was told it was only one working. I did not know nor was I told when I received the card that there were additional hidden fees. According to 15 U.S.C.1631 ( 3 ) ( C ) I was to be told about all fees before I was even presented with the card in which I was not. 15 U.S.C.1631 ( 3 ) ( B ) ( 2 ) ( C ) also states that only one fee per month may be charged. I have been charged several fees this month for using the money I supplied to this card for my endeavours. This situation was very embarrassing and when I told the customer service rep I and the store associate had tried the credit option and it still declined she proceeded to tell me I did not like she was in the store with me because the system said that I had not tried. This was humiliating making this call as I stood with tears running down my face because I was attempting to purchase food for my family and I without knowing about the additional fees. This is the XXXX pre paid card provided by the company.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have ( had ) a Synchrony Bank Care Credit card. This card specifically for medical or veterinary care. I got it when my dog was sick and needed life-saving treatment. I made all the payments on time and had a zero balance. I kept that card because if another medical emergency came up, it was peace of mind to know I could pay whatever was requested up front and then pay off the card later. This weekend I was alerted by XXXX XXXX that my card had been closed. As a result, my credit score went down. 
I called Synchrony Bank on XX/XX/22 and they said in their fine print they can close any account at any time for any reason. In my case the reason was inactivity. But it's not a card where you can just occasionally charge something somewhere and pay it off, since it's only for medical or veterinary use. They told me my only recourse was to reapply for the card again. I told them that would impact my credit score twice. I asked to speak to a supervisor who told me the same thing - that they closed it due to lack of use, and that there was nothing they could do.

This is unfair and frustrating. Not only was my credit score negatively impacted but now I do not have that card or the peace of mind that came with knowing I could pay in an emergency situation. Looking online, I see that this is a common occurrence with Synchrony. It is so wrong. I hope you can do something about it. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VYSTAR CREDIT UNION (FL)

I asked for my XXXX XXXX XXXX to be added to my personal checking and savings account. The bank messed up the first, 2nd and 3rd attempt to create this change, which they admit is due to training issues. The errors they made caused my paycheck from my employer to be auto rejected because they froze my account without my knowledge. My employer then had to mail me a paper check. Also, my credit card payments were not made on my auto-pay since they froze my account. This caused NSF fees to be applied. I have spoken and met with the assistant manager XXXX XXXX, Manager XXXX XXXX, Vice President XXXX XXXX, and various other staff, but the NSF fees have not been resolved as of today.
Consumer complaint received 2022-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Hello CFPB, I have attempted to resolve issues with XXXX, Equifax and XXXX for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report US DEP ED XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX   XXXX