davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MD)

My mother, XXXX XXXX, was the victim of scammers who urged my mother to send money " urgently '' to help my sister, XXXX XXXX. My mother sent three checks from her bank XXXX XXXX XXXX. As soon as my mother realized she had been scammed, she signed up for credit monitoring service from Equifax. This was in XX/XX/2017. Because the scammers had resulted in my mother 's account being completely overdrawn, the bank closed my mother 's account. 

My mother was able to open a new account at XXXX XXXX XXXX  later the same month. When she did, Equifax then began to withdraw money from the new account. As Power of Attorney, I notified my mother immediately about her having been identify as part of the major security breach at Equifax and set up a free XXXX XXXX XXXX XXXX. Because Equifax had so many calls at the time of the breach, the process was lengthy and I made calls over a few days to get her account set up. The representative told me that my mother 's paid Equifax credit monitoring subscription would be cancelled and she would no longer be billed. She continued to be billed by Equifax even though I tried to resolve this. I called Equifax during the last weeks before her death and told them that my mother 's bank account would soon be closed. Equifax assured me they would act to stop the withdrawals and would work toward a refund. They requested documentation, which I sent to them. They requested something showing my mother 's address, which I sent to them ( a XXXX Bill ) ;  copies of her identity ( driver 's license and social security card, and other information they requested ). I have had no contact with Equifax except a congratulatory email extending her XXXX XXXX for another year. For the record, Equifax did attempt to withdraw one time after her XXXX XXXX XXXX  account was closed.
Consumer complaint received 2018-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management (TX)

I am a victim of identity theft I did not receive a payday loan two years ago. They have not proven to me that this is my debt. I have reported identity theft and they do not respond. I have sent certified letters and waited and nothing. They continue to put this on my credit report. I was divorced way before this debt occurred and its under my ex spouse name. I do not go by any other name and it states on the debt the last name XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I have had a running battle with Synchrony Bank. I keep paying off my monthly total and they keep charging outrageous interest. Here 's 2023 : Month Balance* Interest Rate XXXX {$300.00} {$6.00} 25.3 % XXXX {$140.00} XXXX 68.7 % XXXX {$400.00} {$9.00} 28.3 % XXXX {$380.00} {$10.00} 33.0 % XXXX {$540.00} {$15.00} 33.7 % XXXX. {$350.00} {$18.00} 61.3 % * WHAT they claim, but that wasn't my balance posted on line. 

They refunded the {$18.00} after I protested for the last 3 months and they told me last month IF I paid off the {$200.00} there'd be no interest. They still applied it any way. 

I DON '' T like there shady practices. I go on line EVERY month ( XXXX ) to get my balance, except the value posted wasn't my true balance. Took me 3 months to get that straight, and I complained then about unfair interest charges. 
Synchrony Bank is gouging theor customers and not being transparent with your balance owed. I have 5 other cards ( general and dedicated stores ) and this was the ONLY ONE I had issues with!!
Consumer complaint received 2018-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (AL)

I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a XXXX XXXX representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they " can't find me '' in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.
Consumer complaint received 2018-09-10
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. (NJ)

Im extremely mad with Equifax because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) and a other ( XXXX XXXX XXXX  ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX are reporting these accounts but Equifax fails to report these accounts. I called Equifax multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are noncompliant to the law
Consumer complaint received 2023-07-07
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. (KY)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details XXXX XXXX paid off Balance {$2700.00} Balance updated XX/XX/XXXX Original balance {$2700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2700.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Completed investigation of FCRA dispute - consumer
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (SC)

A company named AFNI called me and stated that they were collecting a debt for XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for many years. I looked online and found several posts about AFNI attempting to collect fraudulent debt. I called XXXX XXXX XXXX and they confirmed I did not have an outstanding debt nor had they reported me to a collections agency.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (TX)

RGS Financial is reporting a medical debt in the amount of {$300.00} that belongs to my minor step daughter. My step daughter does not live with me and never has. I have never taken my step daughter to any medical appointment and have never signed anything saying that I would pay for medical expenses for her. The name listed on the bill that RGS Financial sent me belongs to my step daughters biological mother. The name on the invoice is that of my step daughter. I think when my step daughters mother took her to the dentist office and they used my insurance policy, the dental office attached my step daughter to my established account that I have for my biological son. This company can not and does not have documents where I signed and agreed to pay for medical expenses for my step daughter. I am not my step daughters guardian and HIPPA would prevent me from even obtaining information from a medical provider in reference to her. Please have this collection account removed from my credit report immediately as it does not belong to me.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (WI)

I attempted to pay off my collections of {$280.00} I mailed a money order with the exact amount of {$200.00} for one specific account # XXXX on XX/XX/18 I called several times to try and have a receipt emailed to me and received the run around with 5 different collection operators telling me they sent it already, check my spam, check my trash, this went on for like 2weeks. never received it to this day asked to speak with supervisor and was given several different male operators that claimed to be supervisors claiming to have emailed too many times and it must be my computer they would just send a paper receipt. waited another week and received several letters that did not show payment nor the exact account I sent my money order for. so around the beginning of XX/XX/XXXX I attempted to call them back and was today this time the money was spread all over the other accounts which are copays at this point I just broke down cying saying how could that be my money order had a specific account # on it and the supervisor told me it was too bad I just should of payed with a credit card and I went on to explain do not own one I need to speak to another supervisor. I was given another female who said she was the supervisor and was so sorry this happened and she would fix the problem and that the good thing was the money could be moved back to the account I sent it for and she would so. I explained to her I had an underwriter waiting for the receipt by the end of the week and could not believe this was happening for such a small amount. as I was talking to her she said she fixed and mailed it out now I am still waiting on the same receipt still calling and speaking to the same 5 collection operators and getting the same run around and the female supervisor that promised me she fixed it and mailed the receipt will not speak to me and our underwriters are atill waiting and were at the end of XX/XX/2018 and still waiting and still like a fool praying for an email.
Consumer complaint received 2018-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I started my mortgage on XX/XX/2012. Before I made my first payment, Wells Fargo purchased the loan. I have made all of my payments on time to Wells Fargo ever since. 

I would like to cancel my PMI. I have met the requirements that I have the loan for 5 years and have no late payments. It is my understanding from your site ( https : //www.consumerfinance.govXXXX ) that I have a right to request my PMI be removed when I pay the mortgage down to 80 % principal remaining on the lower of the purchase price or the appraised price ( they were the same in my case ). Wells Fargo insists that I must reduce the value to 78 % of my principal to price ratio. I spoke with Wells Fargo 's mortgage servicing department in XX/XX/XXXX and was told this. I asked to speak to a supervisor and was told I would receive a call within a few days. I did not receive that call. I went to my local branch in XXXX, FL today and the bankers there called the mortgage department. They were told that I had to get the ratio to 78 % and I had no right to seek removal at 80 %. I spoke to XXXX XXXX and her manager.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that Equifax, XXXX  and XXXX remove the XXXX  XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XXXX until now, however look at Transunion report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on XXXX  they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories.

I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WA)

Our company uses Wise.com to pay our international team members. One of our new employees that we tried to set up had there account deactivated. Our employee was not told why and created an appeal as told to by Wise.com. It has been XXXX business days and there is still no resolution or reason as to why their account was deactivated. The appeal was put in XX/XX/2023. I have contacted them several times to see what we can do on our end to push this along but they will not assist as it is not my account. I have asked them what they are doing and how I am to handle this should this happen to a future employee to be told to have the employee contact them. Nothing for the business side of things to help with. The employee has been contacting them on a daily basis only to get told after 23 days to submit another appeal. Still no information or guidance on how to fix the account other than NOT to open a new one as it would be flagged and cause more issues. So we wait. Still waiting with no help what-so-ever. This is very frustrating and will result in us taking our business elsewhere if this is not resolved soon.
Consumer complaint received 2018-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

I signed up for Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX, and XXXX XXXX became my new student loan servicer. In XX/XX/XXXX, when it came time for my annual recertification, my monthly loan amount jumped up from {$120.00} per month it had been for the prior 12 months to {$620.00} per month. I called to ask why the amount had increased so precipitously. XXXX XXXX told me that the total income from my XXXX taxes had increased because as a newly-married person I had filed jointly for the first time with my spouse. It did not matter to XXXX XXXX that my spouse also had similar student loans to repay. I informed them that I would be unable to sustainably pay a monthly amount of {$620.00} and asked for a smaller monthly payment. I was told to submit an application for the Revised Pay As You Earn ( REPAYE ) Income-Driven Repayment ( IDR ) plan. The entire process to achieve this new REPAYE payment plan took six months, calls from me to XXXX on at least a monthly basis to ask and plead for them to complete the recalculation and to place myself on forebearance time and time again because each month prior to my monthly due date I would receive automated letters into my XXXX account saying that I was required to pay between {$1500.00} and {$1500.00}. Had XXXX XXXX acted accountably and quickly on my request to change payment plans due to having too high a monthly payment, I would not have had to request continual forebearance on a monthly repayment requirement that rose to over 11 times what I had been accustomed to paying affordably. It was only in XX/XX/XXXX that my request to move to a REPAYE payment plan was approved, with the first monthly payment coming in XX/XX/XXXX of {$370.00}, an amount over twice as high as the {$120.00} that I had been paying in the previous certified year. 

I thought this issue had been resolved until I read the XX/XX/XXXX XXXX article " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I recalled the difficulties I had faced for six months in XXXX trying to obtain a new payment plan and decided to log in to my XXXX XXXX  account to check in further detail what had happened with my loans. I discovered that in that time period, I had suffered an increase in the principal amount of my loans from {$85000.00} in the year in which I paid {$120.00} per month to {$98000.00} by XX/XX/XXXX, due to Interest Capitalization. This frustrates me because the only reason my interest was capitalized during this time frame was because I was waiting on XXXX XXXX  to lower my monthly payment to the REPAYE plan and having to request a monthly forebearance due to the punishing amounts of over {$1500.00} per month that they were requesting in the interim.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Two transactions XXXX for XXXX and XXXX for XXXX were made thru zelle using my bank account on XX/XX/23. I didn't authorize these and someone hacked my account and was controlling my phone. I reported it to bank of america immediately and because i have made other transactions which i authorized before to my daughter they said ot was valid. Bank of america didn't even follow the transaction to the bank it was made too.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/22, a full payment was made to my Paypal credit in the amount of {$3400.00} from my XXXX checking account. My paypal typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the XXXX website. The money was pulled out of my account but not paid towards the balance owed to my Paypal. I called Paypal and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my XXXX account, but the balance was not paid on paypals end. I then called XXXX, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through Paypal with no conclusion. I've submitted all the documentation they requested, I've submitted countless claims. They deny my claim over and over. During the " claim time frame '', Paypal removeds the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. Not to mention I'm still making the minimum payments on this {$3400.00} to paypal so I dont ' get derogatory marks on my credit as well!! 
I essentially had to give up with Paypal since I was getting nowhere and called XXXX for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to help me!