davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (CA)

Basically I asked the credit report bureau ( Experian ) to do verification on my credit report, they did and they stated that everything Is accurate. 
I did another research by myself, and I found improper and inaccuracy on my credit report. 
Here is the information on inaccurate account that shows only on my Experian report and not even the other two bureau ( XXXX and XXXX ) report that. 

Even it does not show the full account number in the report, and it just shows as account # XXXX XXXX XXXX credit card XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # 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 640 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

i am requesting to delete the account please.
Consumer complaint received 2022-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX Loan with account XXXX XXXX opened on and a balance of {$6200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

I DO NOT OWE SOUTH WEST CREDIT SYSTEMS {$2.00} I KEEP DISPUTING THIS. I AM CAUGHT UP IN XXXX BREACH WHICH THEY NEED TO DISPUTE ALL THIS OFF MY CREDIT FOR GOOD, CREDIT MONITORING NOT DOING ANYTHING THEY REALLY NEED TO BE SUED FOR XXXX IF I CAN. I AM NOT GOING FOR NO THATS NOT FAIR TO ME OR ANY OTHER PERSON CAUGHT UP IN THE XXXX XXXX SO THERE IS SOMETHING THAT NEEDS TO BE DONE. YES DISPUTE EVERYTHING ON XXXX XXXX XXXX XXXX XXXX YEAH I APPLIED SOMEBODY STOLE THAT TOO. NOW I CANT GET AN ACCOUNT. ITS GETTING ANNOYING KEEP HARASSING ME OVER DEBT NOT MINE DELETE IT FOR GOOD. FOR I FIND OUT HOW TO SUE
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I have a problem with my mortgage servicer, Mr. Cooper Mortgage ( formerly known as Nationstar Mortgage Holdings Inc. ) regarding removing the PMI payment. I have paid off enough of my mortgage and own enough equity in my home to have the PMI removed. I have contacted them on the phone and spoken with a representative but my specific issues have not been resolved. Mr. Cooper refuses to remove my PMI even though I own more than 20 % of my home and refuses to accept the following documentation showing this : - An appraisal I pay for - Invoices showing the XXXXmprovements I've made ( Such as installing a $ XXXX solar roof system ). Why can't they accept a new appraisal I make or my documentation showing the new home value? Mr. Cooper is forcing me to pay more than {$300.00} for their own appraisal which they still have not scheduled yet a month after I contacted them. Why can't they respond and explain when the new appraisal is scheduled and why they won't accept an independent appraisal that I pay for? Assuming the issue is settled by the CFPB that I do in fact own over 20 % of my home and did not have to pay PMI, I would like the last few PMI payments refunded. Can the CFPB get Mr. Cooper Mortgage to respond about these 3 specific issues and have my PMI removed? Also, I've attached the most recent letter from them that refuses to give a reason for denying my PMI removal request.
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act, 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 : it also state a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I recently moved from XXXX XXXX to XXXX this year and when going for an apartment I was told I had a Bankrupotcy on my file which as you can imagine, is alarming. I XXXX  the best way to dispute it and did with the 3 credit Bureaus that it was inaccurate and to remove it ( XX/XX/XXXX ). XXXX removed it which is great, but XXXX XXXX and Experian did not. I did more research and decided to reach out to the court as well. I wrote them a letter asking what infor that they have on me for reporting the information and they responded that they do not provide the credit bureaus information, which caused quite a conodrum as you can imagine. How is a credit bureau validating the information if the supposed court it occurred at does not supply the information. I wrote back to the credit bureaus XXXX XXXX and Experian with this information, even cited the proper law, and provided the paper the court provided, still nothing. 
This is my last resort to correct inaccurate information.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (TX)

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from EDUCATIONAL CRED MGMT
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AL)

I have bought a fridge from amazon.com on XX/XX/2022 and I was charged XXXX dollars and then I returned the fridge but Amazon never gave me that refund so I contacted synchrony bank and they gave me a credit for XXXX dollars but then synchrony bank on XXXX recharged my account again for the credit of XXXX dollars that they gave me and also Amazon recharged me again for XXXX on XX/XX/2022 again. So Amazon has double charged me for an item that I returned back and synchrony Bank took back the credit of XXXX dollars that they gave and charged my Amazon credit card again on XX/XX/2022 for XXXX dollars. So I was charged 4 times of XXXX dollars for a single item that I returned back and Amazon has it in their warehouse. I called synchrony bank and they even refused to talk to me. 
I need the CFPB help with this issue and nobody seems to understand and amazon keeps charging my Amazon credit card for the same item and synchrony bank is allowing amazon to keep charging for an item that returned back and this is FRAUD from Amazon me synchrony bank. I am attaching documents that shows synchrony bank charging me again on XX/XX/2022 for the credit they gave me on XX/XX/2022 and Amazon charging me again on XXXX another XXXX dollars. I have been charged 4 times for an item that I returned to amazon and they have it in their warehouse
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

On XXXX XXXX - I opened a XXXX 's XXXX XXXX unsatisfied with customer service and other experiences with the card I paid a final balance of XXXX on XX/XX/year> and requested the account be closed. However, I continued to receive statements for a fee and interest charge which I objected to, however the account remained open and continued to incur charges. These fees and charges ballooned to {$350.00} and went into charge off status. Although I continue to dispute this item I keep receiving message that the account is with another lender yet that information was not furnished to me. This is a violation under USC 1681.

Comenity also violated IRS 4681 which prohibits income from being reported on a consumer credit report and failing to provide a 1099c.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

I have a $ XXXX promotional balance ( started on XX/XX/XXXX ) which was good through XX/XX/XXXX. As I was making payments to this card, over {$4600.00} of the promotional balance was paid off instead of Wells Fargo applying the payment to the interest bearing account balance. I have called Wells Fargo and they confirmed that after the minimum payment is made, remaining payment amounts are applied to merchandise purchases and cash advance first, then promotional balances. However, since I made 2 payment on XX/XX/XXXX ( $ XXXX and {$9900.00} ), they applied approximately {$4600.00} to the promotional balance at 0 % instead of applying it to the interest bearing merchandise balance. 

You can see from previous statements, payments were applied to merchandise balances first with a minimum amount being applied to the promotional balance. However, my XX/XX/XXXX payment was not applied in the same manner.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (RI)

So I applied for a payday loan through this company. The problem is their charging an insane 700 % interest on the {$850.00} loan so I'd owe {$4500.00} after all is said and done. They've insulated themselves pretty well claiming they're on tribal land and as such not subject to state laws. I remember seeing an article where your agency went after other similar companies for trying to illegally shield themselves against state usury laws. I'm not sure if the situation is the same here.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (TX)

I bank with Current and recently today my account got emptied and overdrawn by some charges which I did neither initiate nor authorize. Over {$500.00} was taken from me, from a merchant called BONUSES. They made 13 total transactions within ten minutes, 7 of which were for {$59.00} and 6 for {$29.00}. As soon as I noticed I reached out to my bank to argue that these were not me and obviously someone else and all they told me I could do is wait. My complaints are, for one, how did this not set off any red flags or fraud alerts? Upon researching the number that came from the merchant information, it was from someone in XXXX. I live in Texas. 13 total transactions in less than 10 minutes for the same two amounts from a country on the other side of the world didnt set off any alarms? Secondly, when I told them this and said that Im overdrawn and that it wasnt me who initiated these transactions or anything, all I got told was to contact the merchant directly myself or just wait until the charges settle and then try to dispute them. I cant contact the merchant nor should I have to wait till get my money back from obvious fraud. I talked to two separate people and I just got told to just wait it out then. That itll normally take 5-7 business days for the pending status to change to finalize. But now Im going to have to wait until I get paid because they wont overrule the transactions and cancel them and return me my money.
Consumer complaint received 2022-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the erm " consumer report : does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK ()

Dear CFPB, I am writing to desperately ask for your help. I live in XXXX and I was scammed badly and lost all my life savings, plus the money I borrowed from my family and short-term loans/mortgages from financial institutions that I am now unable able to pay back. 

Below is a summary of what happened to me : On XX/XX/2022, an XXXX guest named XXXX XXXX XXXX XXXX XXXX tried to book my house for XX/XX/2022. He then asked me to connect with him via XXXX so he could have further questions. His phone number was XXXX. 

During our conversations on XXXX, he told me that he lived in XXXX XXXX and that he came from XXXX as an investor. He told me that he was very successful in investing in XXXX and bought properties in XXXX  and XXXX XXXX from the profits he had made from XXXX trading. He asked me if I ever invested in XXXX and I told him that I had never invested in XXXX and did not know anything about it. He said he had been trading in XXXX for 8 years and was doing in-depth market analysis and only traded when there was a market node, so it was 100 % safe. 

He asked me to try and guided me to open an account with a trading platform called XXXX, and later he moved me to another platform called XXXX. At first, I put in {$500.00}, then he said the minimum for XXXX  future trading was US {$1000.00} but since I was in XXXX, I had to put XXXX XXXX. I thought Id give it a try. After I put {$2000.00}, he traded it for me and showed me the profit for every single transaction which was XXXX XXXX XXXXXXXX %. He then convinced me to put more money in as he said there were more market nodes coming the following week. He then told me that there will be a bull market coming in XXXX and this was to be said once-in-a-lifetime opportunity and convinced me to sell all my stocks, cash out my RRSPs, and borrow money to seize this short-term opportunity and that once the bull market was over, I could take out all my capital and profits. 

I sold all my stocks, cashed out my RRSPs, got a few loans from my equity line of credit, family and friends After he had me send him money to his multiple bank accounts in XXXX and XXXX, he would not let me withdraw my capital, then disappeared and shut down his fake trading websites. 

On XX/XX/XXXX, I reported the scam to my bank XXXX XXXX XXXX XXXX ), the police in XXXX and the FBI in the US. 

My bank tried to recall the last 2 biggest wire transfers to East West Bank on XX/XX/2022 in the amount of US {$540000.00}. I also contacted East West Bank on XX/XX/2022 and was told that it had frozen the scammers bank account but they did not refund me the money.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IL)

On XX/XX/XXXX, I requested a refund through XXXX, I even have an email confirmation. I made payments from XX/XX/XXXX- XX/XX/XXXX. The rep told me it could take anywhere from XXXX weeks to XXXX  months. I called back in XXXX and same response. Sometime in XXXX, I found out my loans were transferred to Aidvantage. XXXX said another refund request was submitted. It's now XXXX and Aidvantage still doesn't have any of my account information. 

XXXX 's Response : Although your account is not active at this time, it has been transferred to another XXXX servicer. You should have received communications regarding this transfer. 

I have not received anything from Aidvantage yet. 

Please handle.
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On ( XX/XX/2022 ) 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 yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-04
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. (NC)

On ( XX/XX/2022 ) 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 yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I trust this correspondence finds you well. I am writing to express my profound frustration and disappointment concerning the continuous presence of fraudulent items on my credit report, despite numerous attempts to address this issue through your dispute resolution process. 

I have engaged in a persistent effort to rectify this matter by submitting numerous dispute requests, each accompanied by thorough documentation and evidence establishing the fraudulent nature of the listed items. Unfortunately, these diligent attempts have proven ineffective, and the fraudulent items persist on my credit report. 

I urgently request the following actions be taken : XXXX an immediate, thorough, and comprehensive investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Expedite corrective measures to rectify the inaccuracies and promptly update my credit report accordingly. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In light of the ongoing challenges and the adverse impact on my financial standing, I insist on a resolution withinthe exact timeframe from the date of this letter. The persistent presence of these fraudulent items has caused significant distress, and a swift resolution is imperative. 

Failure to address this complaint promptly XXXX necessitate escalation to regulatory authorities, and I XXXX seek legal counsel to uphold my rights as a consumer. 

I trust in your commitment to upholding fair and accurate credit reporting standards and expect an immediate and decisive resolution to this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Opened XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$1500.00} 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