davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation (TN)

On XX/XX/year> a credit card debt was posted to my credit report by XXXX for the amount of {$1500.00}. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719 | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Consumer complaint received 2024-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

XXXX contracted Diversified Adjustment for an equipment that has been returned to them. I have spoken to both and submitted proof that the equipment was returned and they still submitted my information to the credit bureaus as negative. I have lost 4 good standing accounts and have recieved several adverse actions regarding this error.
Consumer complaint received 2024-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

My wife and I purchased a sectional from Rooms to Go approximately 3 years ago. They had a promotion of no interest on a 5 year payment plan. Our payment was $ XXXX which we have always been paid on time to Synchrony. 
Synchrony decided to change certain policies regarding paper statements that we were not aware of. They claim it was written in our statement in XXXX but we never saw it. Since we knew our payments would always be {$57.00} a month we did not notice they were adding a paper statement fee of {$1.00} per month to our payment beginning in XXXX. Therefore our XXXX statement was {$58.00} instead of {$57.00}. 
When we realized in XXXX that we had a {$90.00} statement, my wife called regarding the extra fees. They explained that we did not pay the total amount in XXXX of {$58.00} and were being assessed a {$30.00} late fee for the unpaid balance of {$1.00}. 
My wife agreed to pay the 2 months paper fee for XXXX and XXXX ( {$3.00} ) but asked synchrony to forgive the late fees. It was her understanding that this was approved. She remembers asking the operator " So I just need to pay you {$4.00}? '' My wife also agreed to stop the paper statements and have them sent by email. She did not know that Synchrony would be sending the email statements to XXXX 's address so did not know that Synchrony was still adding late fees on to our payment. 
She continued paying {$57.00} each month but Synchrony is saying we now owe {$140.00}. ( {$88.00} in fees ). My wife and I talked with Synchrony today and they insist we must pay these penalty charges. We offered to pay off the entire balance of the sectional but are not willing to pay penalty charges. They refused to comply.

We feel that we have been wrongly charged of these fees for 2 reasons. We pay our bills online and have paid Synchrony {$57.00} a month for years. It is completely understandable that we would not know about the {$1.00} fee they randomly decided to add to our bill. Even though we felt this was unethical for a bank to just decide to add a fee to a customers bill, we agreed to pay the {$1.00} for 2 months and have our statements sent by email. 
The second reason is we are being charged late fees on previous late fees. This was supposedly cleared up by my wife 's initial phone call to Synchrony that the late fees would be removed if she paid the {$3.00} in added paper statement fees. {$4.00} was sent to Synchrony on XX/XX/year>. Therefore no extra money should be owed by us.
Consumer complaint received 2024-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

My debit card was acting up the morning of XX/XX/year>. I tried to use it at XXXX and it was denied, then I got to the office and checked my XXXX XXXX XXXX app. It showed multiple charges to XXXX, multiple charges to XXXX ( which I don't have an account ), multiple charges to recreation. I called XXXX at XXXX and they said it would be corrected. Then at XXXX I received a few phone calls from XXXX, I finally answered the XXXX call because they were back to back. When I answered the gentleman said he was with XXXX XXXX  XXXX, gave his name and ID code, he then sent me a text to the text that XXXX sends in the same thread with a code. I gave him the code, he then asked me if I was in XXXX XXXX I said no, he said do I know an XXXX XXXX, I said no. He said that we need to change my user name it appears she is trying to use my credit card information for {$8300.00}. He said it looking at your account, it looks like you have multiple charges, from XXXX and XXXX, so I was like yes, I called earlier to report that. He said we need to get you a new account set up, he set he was getting his supervisor so he could get it set up for me. His supervisor got on the phone and gave me another ID and then sent another code to my XXXX  text strand. I then repeated it back to him. So he told me that we need to move the funds to my new account, talked me through the app on my phone and told me to turn the wire button on. I started to feel uneasey at this point, and got on my office phone to call XXXX to speak to another agent to see if that was protocol, when this was happening, I ignored a call coming in through my cell phone because the scammer was still on the phone. When I swiped up, I ended up hitting the wire transfer. At that point, the legit XXXX agent got on the phone with me and I told her the story. The scammer hunger up as I was filing a fraudlant claim. The account the wired funds went to is a XXXX XXXX with Wells Fargo. The inital wire was {$8900.00} and the wire fee was {$40.00}. Wire time XXXX ET TRN : X XXXX Service XXXX ID XXXX XXXX Wells Far Go Bank, NA ID : XXXX PMT DET : XXXX They basically took all of my money. I have XXXX small kids and I am a vicitim up a scammer. I feel very violated, and scared to death about paying my bills. Please help me. I've never wired funds and especially would not have. I almost feel like it was an employee of XXXX with how they had and knew everything. There should be a limit of any sort of wire followed by some sort of text or email to prevent this from happening across the world.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

On XX/XX/XXXX, I lost my job at no fault of my own. I have been current with my mortgage since XXXX. Due to this hardship, I am 30 days late. 

I obtained employment on XX/XX/XXXX. The position pays XXXX annually. I will be making a full mortgage payment this month on the XXXX. After this payment I will still be 30 days delinquent. 

I reached out to Shell point and explained my situation. I spoke with a person named XXXX XXXX. To better identify her I have provided her email XXXX She said to notify her when I gained employment. She didn't take anymore information on my hardship or even review it for available options. 

I then spoke with another agent who told me I could not be offered any programs until I was 60 days late. I asked her why I would do that when more than likely I was getting a new job and would be able to make my XXXX payment. Her response was they is the policy. I found this troubling that a company would not provide any hardship assistance until I was 60 days late. 

I then spoke with another agent that said I had to make a payment plan and was not eligible for a hardship forbearance. She said that was not an option and they don't give those out for unemployment. 

I then spoke to another agent who told me to submit a hardship letter via email and they may be able to put the past due amount on the back of the loan.I did this yesterday XX/XX/XXXX Today, I called to follow up. The agent told me I was not eligible to have the past due amount put on the back of loan. She said a repayment plan of XXXX a month is what I would need to make. I told here I am recovering from a job loss and it would put me in yet another hardship. I told her I was making a good faith effort by making my payment this month. That did not matter to her, She said no one can make them change there policy. 

I have been threatened with stacking up late fees continuous for the past due amount and door knocks, I am only 30 days past due. I do not think it unreasonable to put the past due amount on the back of my loan. They are putting me in a position that will result in possibly losing my home. 




I
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: MoneyLion Inc. (CA)

I have been using this card perfectly for a few months, I went to to XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX I tried to use the atm, to get money it did dispense any money, I tried again on the XXXX of XXXX and had the issue, I continued to use my card, perfectly fine for the weeks to follow, I filed a dispute for the charges and submitted the dispute form and supporting documents for my claim to XXXX. even after I filed the dispute my account was working perfectly fine, on XX/XX/XXXX I I tried to use my card, and it wasnt working, so I started a chat with a representative at money lion I was advised that I had to send my state ID and a utility bill as they wanted to verify my identity, I complied with there request, today I get an email at XXXX say that my account is being closed due to unusual activity on my account, there was no issue with my account or unusual activity until it was time for my account to receive a provisional credit for the disputes, my account was not closed due to unusual activity, but because they did not want provide the provisional credit.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I believe these accounts are invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. If they are unable to provide under oath the previously listed items then I require the accounts to be removed from my credit & their records. CITICARDS CBNA XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (NY)

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a with XXXX  - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2024-11-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (NY)

My account was never close to 60 days past due, much less 30 days. There was XXXX instance where the account was meant to be placed on forbearance, but a payment was incorrectly set to withdraw from the wrong account by the representative. This was promptly corrected. 

I respectfully request that this inaccurate reporting be removed. Although the loan was originally set for a XXXX term, I paid it off approximately XXXX  years early, fully closing the account in XX/XX/year>. This early repayment highlights my commitment to responsible credit management and timely payments.
Consumer complaint received 2024-11-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records. 

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records. 

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (NJ)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (MS)

I.C. System Inc has used my consumer report improperly by reporting information involving medical transactions with XXXX XXXX Which is a violation of XXXX act. I.C.Sydtems Inc does not and never has had expressed or implied consent from the consumer to report non public personal information without any valid court order or direct consent from the consumer which is also a violation of FDCPA 15 usc 1692. I. C SYSTEMS Inc does not have any written contract stating that XXXX XXXX owes I.C.Systems Inc anything. I.C. SYSTEMS INC does not have any contract with any signature on it with I.C.Systems Inc which is a violation of 18 usc 894 conspiring against me in coercion to pay a debt that is not owed. I.C. Systems Inc is in violation of trafficking of persons per 18 usc XXXX  XXXX. I.C. Systems Inc. Is in violation of 15 usc 1692 for violating the permissible purpose of a credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX, XX/XX/1988, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unveriable, and false information consist of a personal loanaccount XXXX XXXX XXXX XXXX  account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (OH)

Over the last XXXX weeks I received XXXX calls from collection agency Harris and Harris. Each time I picked up they would immediately hang up on me prior to anyone speaking. I had no context in terms of what the call was in reference to and only later learned they were a debt collector. I eventually called back to inquire what the purpose of the call was at which point they mentioned they were aware of these phone issues and quickly went on to attempt to collect the debt. I was trying to address the situation with the harassing phone calls while they were trying to collect the debt and after asking for the phone calls to stop they hung up on me. I'm not even clear the implications of what that means towards the debt they allege I owe.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dear CFPB, I am contacting you and Experian with hopes to have XXXX XXXX account # XXXX that is due to delete XX/XX/XXXX from my credit file. It has been a long 7 years and while XXXX and XXXX has already removed the items months ago, I gave up fighting with Experian who seemed to have given me the run around. I have waited patiently and I think justice has been served. This account has been a part of my ID Theft case since XXXX and I am again asking that they please honor my request a few days early before removal. I am in the process of trying to get cash from my home due to my economic hardship and this is the only thing on my report that is hurting me tremendously. 

Experian should have all of my original documents that was sent such as my FTC XXXX, XXXX Police report, my ID and more. Experian can you please delete sooner than later. It has been 7 years minus the 9 days left.