davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

My first payment was due to MOHELA on XX/XX/XXXX for a total of {$200.00}. I paid in full on that date. Today, XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX but not sent until XX/XX/XXXX ) saying I'm in " Administrative Forbearance '' from XX/XX/XXXX - XX/XX/XXXX. 

I've tried numerous times to contact them to get more information about a variety of issues including but not limited to, if they're sure the amount I owe is correct, if they've processed the paperwork I sent to them at the end of XXXX, and whether or not my loans have been consolidated. 

I called on XX/XX/XXXX, and waited an hour and got disconnected. I called on XX/XX/XXXX and waited over an hour and fifty-minutes and had to hang up.
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (AL)

XX/XX/2023, XX/XX/2023, and XX/XX/2023 the companies of Equifax And XXXX were contacted numerous times regarding the removal of hard inquiries on my credit report. Equifax and XXXX has failed to delete or perform a reasonable investigation of my dispute and have failed to respond. According to 15 U.S.C 1681 there should not be any damages on my report this is a defamation to my character.
Consumer complaint received 2023-10-26
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. (TX)

in accordance witht he fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 a. states i have the right to privacy 15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an accoiunt with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
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 (NH)

In early XXXX  I opened up a Sams Club CC which is issued by and administered by Synchrony bank. My card was used to fuel my XXXX  and when the payment was made the payment was made for XXXX too little. I saw the error and contacted Synchrony and was told that the issue was resolved by credits being issued to my account. This was never done. Due to being away and ill it was not until XXXX that during a mortgage refinance that my mortgage broker discovered that my credit report showed the account as delinquent. I again called Synchrony this time asking to speak to a supervisor. Calls are recorded so I thought that that would help. No such luck. I stayed on the phone while the advisor one by one reversed the charges. However they were called writeoffs or similar which impacted my credit score. I spent 25 years in the XXXX XXXX XXXX and this incompetence harmed me greatly. My credit score had always been north of XXXX and typically in the XXXX range or better. A XXXX point drop is unacceptable. As a XXXX person I rely on credit, apps, phones and the internet to be my lifeline to the outside world. I previously filed a complaint with the CFPB and XXXX XXXX called me from Synchrony Bank. I did return the call but never heard back. I have since called twice but never heard back. I also called Synchrony Bank as well as Sams club numerous times to get this issue resolved. Not one person has taken ownership nor has shown the inclination, courtesy, compassion or kindness to help me. Due to this discrimination I am unable to secure credit at stores where Synchrony owns the credit business thus costing me money by preventing me from taking advantage of discounts, 0 % interest offers etc. Synchrony Bank needs to be held accountable.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/23 I drove up to the ATM to make a cash deposit in my business account at the location located XXXX XXXX XXXX XXXX TX. My intent was to deposit {$2000.00} cash that day to the account. I put {$2000.00} in the machine of which it only took {$920.00}. It returned {$80.00} back to me which I kept. It did not account for the {$1000.00} ( all in {$100.00} bills ) nor did the machine give any errors. It just took it. Not XXXX minutes later I pulled over and called the back immediately to let them know what happened. The claim was filed. Figured it wouldnt be a problem Iam sure this happens to alot of people because those machines do not count the money wrong. I know this because its happened to me to me on more than one occasion so I cant be the only one. And because of this I tend to count the money twice sometimes XXXX  times before depositing into the ATM. But this is the first time it actually took my money without returning it all. I was shocked when I called Wells Fargo for an update yesterday and they told me they found nothing. How could this be?
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am submitting this request to formally dispute several negative items that appear on my credit report. After reviewing my report, I believe that these items are inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the following disputed items and delete any negative information that can not be verified or are found to be erroneous. 
Please find attached copies of documents that support my claims. I kindly request that you review the evidence provided and take the necessary steps to correct my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00}, XXXX XXXX XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc. (SC)

Someone is using my social security number, name, date of birth to open an account. I'm a victim of identity fraud also recorded on FTC. They are also calling betraying to me the account holder to all of my creditors and closing my accounts.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TN)

Took out a 0 % interest credit card with Wells Fargo. Thought I paid it off in time before the intro period was over, but may have missed it by a few days. Instead of charging me the interest on the remaining balance ( I had paid back nearly all of it ), they charged me interest immediatley on the full amount. This is simply wrong and unfair.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (IN)

When I sent a copy of the FTC complaint, it took some time for the credit bureaus to clarify that they are not obstructing records. I'm providing this complaint to help with formulating a legal response because it is required by FCRA regulation 605b. In the event that you decide not to stop the other items listed below that are responding incorrectly due to fraud. Following are the items that should be deleted from my file : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2021.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Last month i had a complaint with Capital One and my credit card ending in XXXX. They corrected the fee issue and promised I would have no other issues. XXXX and I talked about my horrible experience and she assured me everything was going to be corrected. She reversed the fees I was charged and reviewed my account. She assured me that I would receive no more fees if I paid the balance due after the cycle date of the XXXX or XXXX of the month. She gave me her phone number if I had any more problems. Well after following her direction of paying after the cycle date, i still was charged a fee again. XXXX was charged on XX/XX/23. This was after i paid XXXX on a XXXX balance. I am pretty upset and frustrated at what is going on and following the directions that XXXX gave me. I since have attempted to call her twice and leave messages. To date, I have yet to get a call back. My guess is that they can not figure out why this is still happening. These unfair and deceptive practices need to be addressed with CapitalOne as the are taking advantage of the consumer in some very difficult times. I am requesting that this fee be reversed again as I did everything XXXX told me to do and the phone call recording will prove it.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with Transunion, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. Experian, XXXX and XXXX, before the account became a charge off, my credit limit was {$800.00} and as of today, XXXXXXXX XXXX is reporting on my 3 credit reports that I owe them {$880.00}. I do not owe XXXX XXXX {$880.00}, again my credit limit was {$800.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX XXXX I do not find it fair or correct that XXXX XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX  XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2023-10-26
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. (FL)

The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate. 

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the Direct Loan Program, service my loan ( s ), and, if necessary, locate me and report on my loan ( s ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information. 

Despite having followed the required procedures and submitted my 1099-C ( Cancellation of DebXXXX ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand. 

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights. 

I look forward to receiving your response at your earliest convenience.
Consumer complaint received 2023-10-27
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WI)

My home was destroyed by XXXX XXXX on XX/XX/XXXX. Truist Bank offered me " forbearance '' in XX/XX/XXXX, while we were trying to obtain payments from our insurance companies. I have contacted Truist Bank numerous times to find out how my insurance checks could be applied to " pay down '' my balance and have been left on hold for hours and hours over the past months, switched from department to department with no resolve, and then disconnected by Truist with never a call back. On XX/XX/XXXX I sent them {$330000.00} in insurance checks via certified mail with a letter requesting that they be applied to my mortgage balance. On XX/XX/XXXX they applied these checks ( with the exception of a {$9500.00} check that is in limbo somewhere ) as a " restricted escrow deposit ''. I have once again contacted them today to rectify and explain this situation to me. I have just spent over 3 hours being switched around to different departments, left on hold for 56 minutes, and then ultimately " disconnected '' on their end. Once again, no return call. In addition, my online account with Truist includes late fees and a disbursement for " prop insp service '', with no explanation. I WANT to pay them off and proceed with a construction loan with a different bank to rebuild my home, however, they are hindering that progress daily.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

While on unemployment, during 2020, I received a deposit only account from Bank of America, which was the only option to receive my money. During this time, most of the branch locations were closed because of the pandemic. Oftentimes the ATM machines were completely out of money. This caused me to use out of network ATM machines incurring finance charges, but it also had another effect. Everytime I withdrew money, my account was locked for XXXX business days pending a fraud investigation. I called the XXXX department approximately XXXX times, every time they assured me that it wouldn't happen again. At XXXX point my account was locked for over XXXX weeks. I set up another account with XXXX Bank, and had my money transferred to it automatically but encountered the same problem. This forced me to take cash advances from my card, costing as much as XXXX dollars per transaction, but I had no other way to access my funds. 
Upon contacting Bank of America, I received a response from XXXX XXXX, who according to my research was formerly fired from XXXX Bank for fraud. And she's my resolution XXXX??
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MS)

My employer XXXX XXXX ( XXXX! ) sent my pay to XXXX I have used the XXXX card through them for months with no problems. Somebody changed the routing numbers from XXXX  to XXXXXXXX XXXX which also is connected with XXXX. XXXX sent a deposit to XXXX numbers on XXXX XXXX. They did proceeded to send a fraud alert email on XXXX XXXX. Never contacted me about the change to my account. I changed the numbers back to the correct ones. XXXX sent an email this time to make sure I had changed numbers. I had not logged on to XXXX in weeks prior to the change, but they are saying I had went to a scam website. Called XXXX customer service and was told it would be sent back as the account didn't have my name. Numerous calls and emails later, I started talking with XXXX. XXXX wanted XXXX XXXX to send a indemnity letter, but they refuse saying they did nothing wrong. XXXX now tells me the money has went to PayPal XXXX XXXX. 

So, I have now been emailing PayPal about the money going to a PayPal XXXX XXXX account. They saying they are doing an investigation. But they have the information at their fingertips and are not giving me any information. 

I want whoever did this caught and prosecuted to the fullest extend of the law. 
I have basically closed all my accounts with PayPal over this and just thankful my banking information wasn't on XXXX.
Consumer complaint received 2023-10-26
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. (MD)

I do not recognize nor authorize this " XXXX XXXX XXXX " account # XXXX I am a victim of identity theft. also some hard inquiries I do not recognize nor authorize without my signature