davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MA)

Friday, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX : Synchrony Financial, CARECREDIT/SYCHRONY BANK XXXX XXXX XXXX, FL XXXX : CARECREDIT/SYNCHRONY, Cardholder Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Total Interest Charged in 2015 : {$840.00}, Statement Closing Date XXXX XXXX, XXXX XXXX, hereby file a Bill Dispute. I am overtaken, to be aghast and outraged, that the Interest Charges are extremely excessive. Never have I been aware, or agreed to, the extent of Interest Charges imposed by the expiration of a Promotion Period. I am not aware that the expiration of a promotion imposed interest fees. I was first introduced to CARE CREDIT by my Dentist, XXXX XXXX XXXX. The conditions provided identified that payments made by the due date circumvented late fees and interest charges throughout the life of the loan. I am surprised that repercussions of an expired promotion were not clarified. Legally, this victimizes XXXX living on fixed income. At this magnitude, I may need to seek legal counsel for debt settlement. I am not willing, nor shall I discuss debt consolidation. Additionally, it behooves me to report this to the Federal Trade Commission, XXXX, and Consumer Advocates, for a potential class action suit legal settlement, due to conditions of excessive finance interest charges. Cardholder was informed that during the life time of loan, the only requirement was to meet monthly minimum due to defer interest and fees. Cardholder is misled. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX : ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX Telephone : ( XXXX ) XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes.
Consumer complaint received 2023-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (TX)

I sent a letter of validation and the company has not responded. They claim they are collecting on behalf of the federal government but have not send me any documentation they are authorized to collect on this XXXX XXXX. The account number they provided is not the same as my XXXX XXXX. They recently sent me an " offer in compromise letter asking me to list all my bank accounts and financial assets. The " Consumer debtor financial '' document This document is very similar to XXXX Form 770 but it is not an official government. It is very misleading an implies that I am dealing with the US government but instead a private debt collector. I am not going to send sensitive financial information to a company that has not shown me they have any written authority over my account
Consumer complaint received 2023-11-06
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. (PA)

This is my 4th letter sent out to the credit bureau and reporting to XXXX on the misuse of Equifax 's reporting system on credit report. There are multiple unauthorized inquiries on my report and an excessive amount of inquiries from Equifax. There are more than 12 excessive entries into my account without my consent from XXXX present. This is a violations to my rights and an unethical practice and liberty taken against my rights. Its proven how hard inquiries impacts the status of an consumers report. They have not remove anything from my disputed, all accounts were updated and sent ack without any correction in these matters. There are also deleted accounts from other bureaus that are still posting on Equifax. There is also inaccurate name information, employment history, and three accounts that are reporting open when they have been sent to me in a re-investigation as closed or in collections. 
This has brought on much stress due to the lack of concern of how this is impacting daily life. This is too mush and it needs to stop.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

Request for Removal of Collection Accounts Under 15 U.S. Code 1692c ( c ) To Whom It May Concern, I am writing to dispute the following collection accounts that have been reported on my credit file : Collection Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Name : XXXX  Account Number : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), I am exercising my right to request that all communication regarding these debts cease, as I believe these accounts were not properly handled under federal law. Given the lack of appropriate communication, I respectfully request that you remove these collection accounts from my credit report.

These collection accounts have negatively impacted my livelihood, credit score, and my ability to obtain credit. I would appreciate your prompt attention in correcting this matter and deleting these accounts from my file.

Please conduct a thorough investigation and provide written confirmation of the results. If you need any additional information to verify my identity or the details of my claim, please contact me using the information provided above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Our mortgage was sold to XXXX XXXX, including the auto payment details. All payments were made on time, yet the mortgage company reported us 60 day delinquent on the mortgage. this has caused our credit report to nose dive just as we are in the middle of closing on a new house. I understand that some loan data might be missing for a month or so when a mortgage is sold. But outright saying that we missed payments is downright criminal because it is going to cause us a huge hardship if we are unable to close on the new mortgage.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (FL)

Provided mortgage servicer with requested documents several times for over 6 months. They have been asking for the same documents pertaining to my income for months. 
I have provided them with every document they have requested. My mortgage assistance request is being processed by loss mitigation. I was served with documents for court for a judicial foreclosure. Requested to XXXX loss mitigation service representative and XXXX XXXX with Executive Client Relations for the foreclosure action to be put on hold. I was informed they could not do that because my home was in the foreclosure dept. and I had not made mortgage payments for months. I explained I had read this is dual tracking for them to processing mortgage assistance request and not stop foreclosure action until my file was processed.
Consumer complaint received 2023-11-07
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: U.S. BANCORP (CO)

On XXXX I went to the USA bank atm located at XXXX XXXX XXXX XXXX I attempted to deposit {$1200.00} to pay my rent which was due that very date the atm deliberately took all my money & spit out a receipt that didnt even have a balance I went into the establishment to get help considering I used the ATM right outside none of the tellers helped me they told me to call the number on the receipt although I asked to speak to a manager they refused to help me so I filed a dispute with the number unfortunately the money is needed to pay my bills I am a single mom struggling to make ends me I find it very inconsiderate that the bank can take my money & no one knows where it went or when Ill get it back I am currently accumulating late fees due to this ATM taking my rent money they will move forward with the eviction process if I dont get it paid Ive called the bank multiple times today to speak with a manger to credit my account I am unable to reach anyone this situation is affectingy livehood & is very inconsiderate I just want my money to pay my bills
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (TX)

Federal student loans are complete and utter robbery and violate the UDAAP regulations. The way that interest accrues and is charged is criminal. Banks would be fined and shut down for practices like this. I have loans that originated going back to XXXX or XXXX. My total borrowed was {$43000.00}. Before this XXXX payment, I had paid {$27000.00} in payments with a remaining balance of {$37000.00}. Make this make sense. One loan originated in XXXX for {$9300.00}. Repayments began in XXXX. The balances is now {$9900.00} after more than {$5500.00} in payments. In XX/XX/XXXX, the portion of my payment that was applied to this particular loan was {$78.00}. Guess how much was applied to principal?? {$1.00}. Read that again. {$1.00}. That is with an interest rate of 6.55 %. I have two consolidation loans with a rate of 4.875 %. The portion of my XX/XX/XXXX payment that was applied to them was {$130.00}. Again, guess how much was applied to principal?? {$8.00}. Less than {$10.00}. What kind of voodoo math makes 4.875 % of {$130.00} over {$120.00}?? At one point, I think in XXXX, I tried to get those two consolidation loans amortized for a shorter period so that more of my payment would be applied to the principal. They came back and said I couldn't, but just simply making the request caused the 25 year repayment plan to START OVER. Even less was being applied to principal. My complaint is not against my servicer. It is against the government for violating UDAAP, stealing money, and using student loans as a mechanism to keep people in debt. I have attached screenshots which show my XX/XX/XXXX payment details, a possible 10 year amortization schedue, and a printout of all of my student loan details.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX. Mistaken Identity US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Mistaken Identity US DEPT ED Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (TX)

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.

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 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

After reviewing the qualifications on studentaid.gov, I applied for the XXXX XXXX on XX/XX/XXXX. My family size is XXXX, my AGI from my 2022 XXXX XXXX is {$25000.00}, and I have qualifying loans. My application via Studentaid.gov was received and then sent to my servicer, Mohela. On XX/XX/XXXX, Mohela sent an electronic letter indicating it was unable to XXXX my request for an XXXX due to the following vague rationale " - Based on your Adjusted Gross Income, family size and outstanding eligible federal student loan debt, you do not qualify for the repayment plan you requested. '' Mohela did not collect any information from me to verify this information and I have been unable to reach Mohela via telephone to inquire into this issue and have Mohela process the request to be moved to the XXXX XXXX. I understand Mohela is likely struggling to process student loan information given the recent restart ; however, Mohela did not take any steps to collect information from me in order to process my XXXX Plan request, a payment plan I qualify for. I also suspect Mohela is incentivized to deny otherwise qualifying requests like this given their low margin business model and the extra administrative burdens required to process these requests. I am disappointed in Mohela 's efforts but hope to expeditiously resolve this issue. Kind Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Karma (GA)

I noticed on my credit report that I have a credit card that was issued bt Credit Karma. I called to inform them that I did not apply for a credit card through them. I had to close out my spend account and savings account because Credit Karma allowed someone else to withdraw my money. I filed a dispute but they cancelled it because they said I called them back and said that the transactions were authorized. I did not authorize anything. I believe that I am a victim of identity theft. I would like the credit card removed unless they can send the card to my physical address.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXXXXXX XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

XXXX is a financial entity acting as an extension of a government entity.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

XXXX charged my card for an amount which was unauthorized. I disputed with USAA. USAA gave me a provisional credit. XXXX refunded the amount. USAA reversed the provisional credit, as expected. However, they reversed it twice, taking money from my checking account. They are refusing to work to resolve this issue and have given me the run-around for several days. They have stolen money from me.
Consumer complaint received 2016-03-22
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (CA)

I withdrew from school- XXXX XXXX on XXXX/XXXX/14 because of numerous issues. I asked for a final bill and was told it would take 30 days to review my account. I waited the 30 days and was presented with a final bill of which I paid in full. I received an acknowledgment letter dated XXXX XXXX 2014 ; indicating that after their review and all financial aid returned that I had a XXXX balance. I have that letter in my possession. On XXXX XXXX XXXX- contacted me and said that they applied grants to my current schooling after I had already withdrew .... some 8 days later on XXXX/XXXX/14 they applied grants to my tuition despite me being withdrawn from the school. None the less per their letter to me they had reviewed my account per their policy and presented me with a final bill. 
I have spent the last two years telling them I do not owe the money that this was their mistake and that I followed all their procedures and did everything they asked me to do. Why if they reviewed my account and found that I owed no monies did they come back say I now owe them money. They have sent me to two collections agencies who after reviewing my documents concluded they can not collect the monies. Yet AIU-online then sends me to another collection agency and I find myself repeating the process to stop the collection process for monies I do not owe. This has become harassment and the XXXX refuses to acknowledge that this is their mistake and one I will not pay for. Also they keep changing the reasons why they claim I owe this money. Please help me with this ... .. this has gone to far and I am at a loss on what to do.
Consumer complaint received 2016-02-03
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I finally spoke to a live person at the company and explained to them when I would make my payment. Shortly after we spoke, I continue getting their unwanted computer generated calls. After my answering service picks up the calls, the company hangs up and continue calling my number at least 6 times a day.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

A physical bill was received from MOHELA dated XX/XX/XXXX with a due date of XX/XX/XXXX. The notarized post office post-mark date is not compliant with the 21 day notification per Department of Education guidelines, policy, and federal law. 

Upon review of the physical bill, the amount listed only delineates the principle amount. It does not include, list, or reference the additional interest amount. Upon review of the MOHELA website, my online account does not include, list, indicate, or make any reference to the additional interest on the principle amount. I had to call MOHELA to acquire this information. 

Moreover, MOHELA indicated a XXXX minute wait to speak to a representative during this process. However, it took over XXXX minutes to connect with a representative who proceeded to place me on an additional XXXX minute hold. 

Furthermore, upon request of physical documentation of MOHELA providing notification to all 3 credit bureaus, the representative informed me they were unable to do that, and placed me on an additional hold. 

Cumulatively, this is a violation of the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Federal Trade Commission Act, the Consumer Financial Protection Act, 34 CFR 685.220, 34 CFR 685.102, 34 CFR 30.1-30.70, and the Gramm-Leach-Bliley Act of 1999.