davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (MD)

Somehow Automatic payments were turned off by Paypal Credit in XXXX. I do not recall turning them off despite company 's claims. XXXXXXXX XXXX totally could have done it though. 

Received statements via email with details about amounts due with links to full statements but included all " details '' within the email itself. I think this is purposefully to keep people from clicking through. 

Because manual payments were made for full balance amounts between XXXX and XXXX, didn't think about AutoPay/was under the impression AutoPay remained on, but had a balance to pay of " XXXX ''. These emails also did not indicate AutoPay was off, instead specified only " Manage AutoPay. '' Since I was under the impression AutoPay was on, when I received a statement email of XXXX, and did not make any purchases using the Line of Credit that month, did not think a manual payment was necessary. I assumed AutoPay would handle it. AutoPay did not handle it. 

Between payment due date ( XXXX ) and following statement date ( XX/XX/17 ), I did not receive any notification of missed/late payment. 

Received following month 's emailed statement, and details included within email did not indicate ANY past due balance, despite covering total balance, minimum due, minimum to pay to avoid interest charged and due date. 

Still under the impression that AutoPay was on, I logged on today ( XXXX ) to check my balance for budgeting purposes and was horrified to find that I had a PAST DUE balance that I was completely unaware of. I immediately paid the balance in full, including two " minimum interest charges '' that would not have been otherwise applicable. 

This has also now impacted my credit report, despite not being made aware of this balance until today. 

Reached out to PayPal via chat, and they could not help me. Called once and was told to speak about credit reporting, I had to talk to customer service ( who I was speaking to? ) Transferred and hung up on. 
Called again, first person said I was within 30 day window and late payment wouldn't reflect on my credit report. 
Transferred me for more information about notifications and Second person said it would reflect on my credit report. No one had any good response for why I wasn't notified of the past-due amount. They simply stated the XXXX statement indicated a past due balance but had no reasoning why the fact there was a past due balance was not included in the " DETAILS '' section of those emails. 

It seems to be a purposeful way to increase their interest charges. ( One XXXX charge has now received 4 dollars in " minimum interest charges '' in two months ) and I'm sure they would have put in a late fee if not for the small amount past due.
Consumer complaint received 2023-12-04
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-04
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. (AZ)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
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. (MS)

I am a victim of identity theft. I have submitted disputes to the credit agencies according to the FCRA but they are not processing the disputes correctly and they are not attaching my FTC reports to the disputes. And I am not getting copies of the verification process
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I asked the consumer credit reporting agencies ( Experian, XXXX, XXXX ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-15
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-04
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. (DE)

After multiple attempts of contacting Experian via mail, Iam asking for the CFPB assistance. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the Mortgage loan show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$11000.00} which has been charged off. The reported balance is {$0.00}. The inclusion of these items has profoundly impacted my life, causing significant stress It is crucial to reiterate that I did not authorize or consent to the association of this information with my name for I have fallen victim to identity theft. Attached to this Document you will see My IDENTITY THEFT REPORT WHICH IS RELATED to this Identity theft.
Consumer complaint received 2023-11-30
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-05
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: ALLY FINANCIAL INC. (TX)

XXXX Bank provided me the merchant proof of their response, which did NOT support my {$500.00} charge in XXXX with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX are NOT the same company but clearly, they are working together behind the scenes concocting against me. I signed a contract with XXXX XXXXXXXX XXXX company in XXXX with alleged lawyer XXXX XXXX who was supposed to help me win money back from a previous company I worked with earlier in the year ( XXXX XXXX  ). Again, they reached out to me and offered these " fake '' services. When they ( XXXX XXXX XXXX ) charged my card for lawyer representation and to obtain services ( as outlined in the contract ) I did not expect the charge to read " XXXX XXXX XXXX '' and this seems to be where the confusion lies and they have pulled the wool over your eyes. When I learned that this company was illegitimate, I requested my refund, as per contract. But the proof that was provided has tricked the bank because they have provided some artwork and proof but the fallacy in this is that THIS IS NOT THE SAME COMPANY... AND THE DATES, NAMES, AND COMPANIES DO NOT MATCH. AGAIN, I met XXXX XXXX XXXX XXXX in XX/XX/XXXX. Artwork or not, WHY WOULD XXXXXXXX XXXX ACCEPT ANY ALLEGED PROOF THAT IS 1. BACKDATED TO XX/XX/ ( I NEVER HEARD OF XXXX XXXX XXXX AT THIS TIME AND HAD NO RELATION ), 2. THE EMAILS HAVE NAMES XXXX AND XXXX ENDING IN XXXX XXXX XXXX  NOT " XXXX XXXX' ... ..AGAIN, THESE ARE NOT THE SAME COMPANIES. Although they appear to be working together and against me at this point. XXXXXXXX XXXX appears to as corrupt as these two previous companies if they are actually " investigating '' and failed to acknowledge these key details. Again, the contract from XXXX XXXX XXXX was signed in XX/XX/XXXX XXXX  and the details are NOT about XXXX.. but instead LAWYER REPRESENTATION TO help me get my money back from previous book company ( which happened to be XXXX XXXX  ). Now I am led to believe that XXXX XXXX XXXX is working in corruption with XXXX XXXX XXXX separate bookwriting company that ripped me off in thousands earlier this year ) and XXXX XXXX  ( who is overlooking key facts and details in this case that DOES NOT SUPPORT {$500.00} charge in XX/XX/XXXX XXXX  ).
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

DESPITE PROVIDING YOU WITH CLEAR EVIDENCE AND DOCUMENTATION CHALLENGING THE LEGITIMACY OF THESE FRAUDULENT ACCOUNTS, YOUR BUREAU CONTINUES TO DECLINE MY REQUEST WITHOUT PROVIDING ANY SUBSTANTIAL REASONING. THIS LACK OF TRANSPARENCY AND ACCOUNTABILITY RAISES SERIOUS CONCERNS ABOUT THE CREDIBILITY AND COMPETENCE OF YOUR INVESTIGATION PROCESS. YOU MUST DO YOUR JOB PROPERLY!!! 
I QUESTION THE AUTHORITY OF YOUR BUREAU TO SUMMARILY DECLINE A DISPUTE WITHOUT CONCLUSIVE EVIDENCE TO SUPPORT SUCH DECISIONS. THE FCRA MANDATES THAT CONSUMERS HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION AND THAT CREDIT REPORTING AGENCIES MUST CONDUCT A REASONABLE INVESTIGATION. YOURE CONTINUED DENIAL WITHOUT DUE PROCESS RAISES SERIOUS DOUBTS ABOUT THE INTEGRITY OF YOUR ORGANIZATION. 
XXXX XXXX XXXXXXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
It is abundantly clear that your bureau has failed to verify the fraudulent activity adequately, and yet, you arrogantly declined my request without presenting any evidence to support your decision. This disregard for due diligence not only violates the Fair Credit Reporting Act ( FCRA ) but also undermines the trust consumers place in your organization to maintain accurate and reliable credit information.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Received account alert : " We are in the process of updating your account. For some or all of your loans, you will not be due for payment until after XX/XX/XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/XXXX. The months from XXXX through XX/XX/XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. '' I also received a letter stating that I was put on Administrative Forbearance until XX/XX/XXXX and no payment would be due. 
I happened to log in to my Mohela account today and my loans are back in repayment and I have a total due XX/XX/XXXX. I did not receive a bill or any notification that my loans were placed back into repayment despite being told no bill would be due until XX/XX/XXXX. If I hadn't logged in today I would have no reason to believe my loans were back in repayment since I have a letter that states otherwise. 
Also, I submitted my PSLF employer verification for a number of months and was told only one month qualifies which is completely incorrect. 
I will attempt to contact Mohela when they're open but I have already tried contacting them previously and waited hours on hold before giving up.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

I was trying to call and get my loan switched to a more affordable monthly payment extended plan. The first time I called it said the wait time was XXXX minutes to get through. Considering that I filled out a form online which I thought would get my information through. It was very confusing. I never heard anything back so I tried to call again in a few days. This was at the end of XXXX. I got through. I worked with an associate and she assured me my payment plan would be switched to an extended plan with a lower payment and I could expect to see an email in around XXXX business days announcing the change and see it reflected in my online account. I waited the allotted time and did not see any change. I called back and talked to another associate at EdFinancial and she told me my account did not reflect any such change being implemented and that I had agreed to pay the amount as-is, which is false. I asked if we could put in another request to get it changed. She said yes and assured me again about the 21 business-day processing time. I waited a good amount of time again and did not see a change or an email response. I then requested to speak to a manager. The manager eventually called me back. She assured me it was being processed but that they were behind and the wait time was more like XXXX business days. Well, it is still not done and it has been longer than that. I again called and talked to another associate, who assured me before my next payment due date that it should definitely be changed. Still nothing. So I paid the amount I was promised I would be paying once switched as I can't afford the current payment amount. I did pay the full amount the first month of payment but I can not continue doing so. Now it reflects that I am behind on my payments. My wife has a similar amount of student debt and goes through XXXX. They changed her to an extended plan in XXXX day, XXXX day. Why has my saga been going on for XXXX months? How hard is it to switch my plan if another servicer can do it on the same day? Will they ever switch it? I am about to refinance the loan with a bank so I can get someone handling it that I can trust. I have no faith EdFinancial is going to do anything they are telling they will do.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I have had multiple issues with Wells Fargo and their claims process. 

Situation 1 : In XXXX and XXXX of XXXX I had {$23000.00} used on my debit card for companies in XXXX. At the time I was in XXXX, SC which other transactions would show and I did not receive a single notification asking if I authorized these transactions. I didn't get any feedback the entire process nor did I get any provisional credit. I received a notification that my claim had been denied and when I called in they did not give me any specifics. I have never been to XXXX and these transactions should have been flagged immediately. 

Situation 2 : on XX/XX/XXXX I disputed a XXXX transaction due to not receiving the merchandise I purchased. Once again, I received no update other than my claim has been denied. 

Situation 3 : I had a fraudulent loan taken out under my name so I informed the company they can not withdrawal payments from my checking account. The third-party company withdrew 3 payments of {$800.00} and Wells Fargo once again denied my clam even though the third-party company illegally withdrew funds from my account when I told them not to. 

Situation 4 : On XX/XX/XXXX someone used my debit card to make purchases from XXXX in the amount of {$4100.00}. I received a provisional credit and assumed my claim was approved. Two months later I was given a few days notice that my claim was denied and they were taking {$4100.00} out of my account. When I called and asked for more specifics all the agent had to say is they had a picture of my license. I didn't have any opportunity to defend myself or even get a respectable notice that my account was going to be reduced by almost {$5000.00}. 

I have been banking with Wells Fargo since XXXX and I have had a total of 6 claims. 5 out of the 6 have been denied without any explanation and with a total loss of around {$28000.00}. The fact that I am not able to speak with the investigators or even get updates is appalling to me. Faithful customers who have had no prior claims shouldn't have to sit here and wonder if they are getting their money back, and be left in the dark on why it was declined.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (MS)

Someone stole my money from my card in XX/XX/2023 and Credit Karma will not give my money back because they say the transaction from XXXX XXXX  and I was transferring money to my self was the same but why would I despute a transaction that I made. I didn't authorize that transaction and also they tried to still money through XXXX but wasn't enough funds in account so they just keep closing my account and not contact me of anything and can't talk to them only through email for which they do not respond back
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

Yes from XX/XX/XXXX until XX/XX/XXXX someone had stole my debit card and used it to make multiple atm withdrawals without my permission they ranged from {$200.00} to {$500.00}. My debit card was stolen and someone made withdrawals that I did not authorize. My account was credited back with the money that was stolen but later just a few days ago it was taken back without any alert of any kind. This is very unprofessional. I alerted the company within 3 business days of finding out that my account had been compromised. It was around {$3000.00}
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

I have requested to be put in the XXXX plan and taken out of XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they put me in a different plan and do not take me out of XXXX, but keep pushing my next due date back. My newest due date is XX/XX/XXXX. I'm accruing XXXX of dollars in interest each month that I simply can't afford. I've called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and waited on hold for XXXX hours. Each time they assure me they will fix the issue and process my request, but they never do.