davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (AR)

I am submitting this Complaint regarding the fraudulent account and information I found you report on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. I am in need of you to please rmeove hte following items off of my Credit 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$570.00} XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I bought this a XXXX XXXX XXXX on XXXX, XXXX XXXX and pay until covid 19 begin, we can't pay the debt anymore and they get the car back. They sell the car but we still have a {$12.00} XXXX to pay.
Consumer complaint received 2019-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (OH)

I was paying XXXX a month & they up to XXXX a month now & I cant afford that much bc its just me working full time my husband isn't working & I wanted to lower it to back XXXX or low as XXXX a month please & thanks
Consumer complaint received 2023-02-27
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. (FL)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-25
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. (GA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OR)

This is about the 4th, 4th or 6th time this has been removed from my credit report. The collection agency just sells it to some other agency and they add it to our credit report. Over and over again. This is ridiculous. The pattern is when we i go to use my credit, they report it. Every time. Like some sick game to exploit money from working people, tantamount to blackmail.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC (CA)

I was contacted by D & A Services , LLC via letter dated XX/XX/XXXX. They informed me they were representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect a debt amount of {$800.00} which they purchased from XXXX XXXX. 

I responded within the 30 days asking them to validate the debt which they did. I sent a D & A Services a debt settlement letter. Agreed to pay the original amount of {$620.00}. I also informed them because Covid-19, I would pay this in 4 installment payments of {$150.00} on the XXXX of each month. I sent this letter on XX/XX/XXXX. 

I waited for a response. I received a letter dated XX/XX/XXXX saying I didn't respond to their letter. They reduced to debt from from {$800.00} to {$680.00}. 

I replied to D & A Services LLC on a letter dated XX/XX/XXXX their letter was incorrect. I did respond. They received and signed for my certified debt settlement on XX/XX/XXXX @ XXXX XXXX   according to the USPS website. I provided the tracking number printed out a receipt from USPS. I re-iterated my previous settlement offer of {$620.00}. This letter was mailed out on XX/XX/XXXX. 

I received a phone call from D & A Services LLC on XX/XX/XXXX @ XXXX XXXX. A woman left a voicemail. I called back and informed female rep who I was. This call lasted 5 mins and 36 seconds. I was on hold for 5 of those minutes. I informed her to please contact me via letters as we have doing. Don't call me. She advised she would relay my message. They received my certified letter at morning. I'm in California so I'm 2 hours. They received and signed for my certified letter and then called me promptly. 

I'm still waiting to hear from them. My issues with them are : 1. They lied about that fact I didn't respond to their correspondences.

2. They lied about not receiving me letters because I sent all correspondences by certified letter via USPS. I have receipts.

3. They've inflated my original debt amount.
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I have a Lowes Credit card managed by Synchrony bank. I paid my account off completely in XXXX -- {$3700.00}. They sent me an XXXX statement for {$13.00} of which they will not credit me. I reached out to customer service on XX/XX/year> at around XXXX pm to see if they would credit my account. They stated they would not and that under the terms they have a right to charge customers even if they pay the card off in full. I advised I was going to report this practice and to close my account. They closed the account but warned me ahead of time that if I did I would not be able to get another XXXX credit card. I have been with them forever. I am not sure this is a fair practice. I closed the account.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL (FL)

XXXXXXXX XXXX XXXXpaypalXXXXPayPalXXXX Paypal does not make it possible to make a payment to any of the Special Financing Purchases which have very high interest rates. You have to call their customer service phone and ask a person outside the USA who does not always understand to allocate a payment that you have made and wait to see if they get it right. 

There should be clear instructions on how to pay for these Special Purchases and one should also be able to do so online like all other payments.
Consumer complaint received 2024-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (MD)

Not getting confirmation regarding closure of this HELOC. Do they need any more information, did they get what was needed? I sent them the closing amount that was quoted to me by them via wire transfer from my bank on XX/XX/ for {$7700.00} no response, I sent them the HELOC authorization agreement via their email, no response. I asked them if they received everything or needed anything else, no response. Just an acknowledgement and estimated closing would be nice. I came here to see if this would help them move on this. It's a small amount but this house is all I have and I feel like they are dragging their feet to find a way to not complete the transaction.
Consumer complaint received 2024-03-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Movement Mortgage LLC (RI)

XXXX XXXX, a XXXX  XXXX with Movement mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  preapproved us for an FHA home loan. 
XXXX then refused to provide to us, our pre-approval letter unless we purchased a home through his preferred agent, XXXX XXXX. 
Our pre-approval letter was never provided to us because we refused to use XXXX XXXX as our realtor. 
XXXX told us multiple times in writing that we were preapproved. Then refused to provide the documentation. He stated he would only show XXXX our pre-approval letter
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

I received a notice in the mail ( today XX/XX/2020 ) dated XX/XX/2020 from Chase Card Services. The letter stated they did a recent review and credit information on my account and reduced my credit limit from {$17000.00} down to {$2800.00} ( my current balance owed is {$2000.00} ). The letter stated they pulled my XXXX  Credit Report and reduced my credit limit amount based on the following reasons : BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH, NUMBER OF ACCOUNTS CURRENTLY IN USE, HISTORY OF LATE PAYMENTS. I immediately reviewed my XXXX  credit report and could not locate any accounts that were delinquent or had a late payment, nor could I find any accounts with a high balance compared to the credit limit. In fact, the credit report says I have a 18 % credit usage, and not late payments. 

On XX/XX/2020 at XXXX, I called the card services customer service number that was located on the letter to speak more about the issue and the drastic decrease of credit limit ( as I am currently seeking to buy a new home ). I immediately requested to speak to a supervisor, as the representative didn't have access to the system to advise as to why my credit limit was reduced. 

Once the manager ( her name was XXXX ) came on the phone, she was very short with me and very rude. I advised that I wanted to file a complaint and asked what the follow up time for the complaint is. She stated there is no follow up. She only offered a re-consideration review, but that Chase Card Services would need to re-pull my credit report, causing a hard inquiry. I asked why would the consumer have to be responsible on having a hard inquiry pull, if I am disputing the credit limit decrease in which I had no warning. She had no answer to my question, other than " that's just the way it is ''. 

Due to her negative attitude and me being rushed off the phone, I asked if there was a formal complaint department that I could speak to. She said they have no number and said that I would have to mail in my complaint. Surprisingly she gave me an address to their Executive Office. I will be writing them this issue and formal complaint, but thought I would file the complaint with CFPB as well. I do not agree with the {$15000.00} reduction in credit with this account. I have never been 30 days late.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Payment of {$140.00} was made on time on XX/XX/24. But posted late on my account on the XX/XX/24. Attached to this letter please find a copy of my Citi Credit Card XX/XX/XXXX statement. Notice on page 4 where it says : Crediting payments other than by mail. Cut off time for online bill payments, phone payments, and Express mail payments will be midnight eastern time. 

My records show I made my {$140.00} payment at XXXX on XX/XX/24 ( well before the cut off time ) and the payment was still applied on the next date on XX/XX/24. This late posting made my account to go over my credit limit. Citi reported to all credit bureaus that I was over the credit limit {$3100.00}. That information is inaccurate. Not only are they doing false advertisement on my monthly statement, but they are also reporting inaccurate information to the credit bureaus. The correct ending balance after payment and interests for the month should be {$3000.00}. This inaccurate reporting violates the Fair Credit Reporting Act. Please help. Thank you.
Consumer complaint received 2023-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I submitted a complaint on Saturday XX/XX/XXXX regarding this issue with the DOE but I called MOHELA to discuss -- once again -- being given the wrong information and instructions. XXXX or XXXX with Mohela told me to go to the FSA site on XXXX  XX/XX/XXXX and complete an add a loan form to combine the direct loans they received from XXXX XXXX. I received notification from Mohela regarding the transfer on Saturday XX/XX/XXXX! I knew they transferred because I received notification from XXXX XXXX and went on Mohela 's site and saw they were there. The add a loan form says you can only add a direct loan to a consolidation loan within 180 days. My consolidation loan was processed on XX/XX/XXXX. 180 days would have been XX/XX/XXXX! Mohela didn't even have possession of the loans for me to request they add the loans! I've been begging Mohela to obtain the direct loans from XXXX XXXX since this past summer. They only recently requested them and we had to get a supervisor to get that done! Is it my fault that they didn't receive them until after the 180 day cut off date? They knew about the direct loans at XXXX XXXX for months and did nothing! I called today and discussed with the first MOHELA agent who spoke with a supervisor and said she tried to advocate for me but the supervisor said " there is nothing they can do. '' Really? I am beyond frustrated! I'm sick and tired of being given the incorrect information and having set backs as a result. I know there is someone who has the authority to overturn this terrible decision. 

I recently spoke with an Aid-Vantage representative XXXX on XX/XX/XXXX who sent a message to, I believe she said XXXX. I had XXXX a supervisor with Mohela on the phone with me and she has opened a case at Mohela as well as DOE. Ive sent XXXX XXXX complaints. XXXX explained that I could have filled out the add a loan form while the direct loans were still at XXXX XXXX, but the only way I found that out is by asking today. I was wrongly instructed by Mohela when inquiring about having the direct loans from XXXX XXXX transferred over that I didnt have to worry about it that they would request them and that the loans could be added together to reflect them same counts. Its not my fault that I inquired about it when I noticed that they were not combined and was told to still complete an add a loan form last Friday, only to see on the form I had 180 days from XX/XX/XXXX. It would have been impossible to know, as I didnt even get notice from Mohela until last Saturday. It was already too late. Its almost like they do it on purpose. I actually had the Mohela XXXX tell me she was advocating for me in XXXX breath, then basically telling me DOE didnt give instructions to add direct consolidation loans together ; probably because they do not want us to be able to get the earliest counts with more recent loans, however, I know it couldve been done had MOHELA not given me inaccurate information..
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX XXXX deposited a check any amount of XXXX which stated it was clear XXXX on XX/XX/year> and on XX/XX/XXXX XXXX would be released my first question is where is the other {$220.00} go?? Then when I checked my account they said they were going to hold the check until the XXXX today is XXXX the XXXX I then check the account and find out that they're going to hold the check until the XXXX. What is really confusing me is that the money was taken out of the person 's account on XXXX the XXXX 2024. Why is the bank holding funds that you already got the money for not only are you holding it but you extended the hold after they already received the funds.
Consumer complaint received 2023-01-16
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. (MA)

On XX/XX/2022 I contacted Equifax about the following negative accounts XXXX  ( Account number XXXX, Date opened XXXX XXXX, 2022, Balance {$2600.00}, Original creditor XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (AZ)

This is a bill from a doctor who claims I owe, I disagree. I am requesting an investigation with dates, charges, procedures, insurance notification and insurance charges both, and what this bill is for. I have not been sent a bill, therefore this needs to be cleared and off my credit report because it is causing my score to be lower than it should be, and also getting denied from creditors, plus the only collection on my report. 

Also, in the state of Arizona, where I reside, the statue of limitation is 5 yrs. and this has been on my credit report at least six ( 6 ) years or more. I have disputed this with the Credit Departments with no avail and in hopes you will help me out on this. All they have said is the consumer does not agree and wo n't remove it from my credit report. 

Your attention to this matter will be appreciated and hopefully successful. 

Thank you,