davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (FL)

I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting. Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been violated.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

Online dispute XX/XX/year> Confirmation number : XXXX. I have enclosed Equifax investigation results verifying the accounts listed below. 

All disputes were mailed out to the company certified mail and return sender, On XXXX XXXX I sent company a written dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX for unverified late payments reporting on my consumer report on the following accounts Freedom Mortgage XXXX, and XXXX XXXX XXXX XXXXXXXX. 


I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

PLEASE SEE EQUIFAX RESPONSE ON XX/XX/scrub>XXXX 

This is now my third attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Lowe 's Home Improvement Center using Synchrony Bank to run their cards, has switched to a {$1.00} monthly fee for a paper bill. This change puts their paperless statements at risk of being delivered appropriately ( i.e. actually showing up in the mailbox and not in junk or spam accounts ). This leads to them collecting ridiculous amounts of fees from people who have no idea that a bill was sent to them if it is in junk or spam-filtered mail folders. I have paid my bill when it was due since 2004 and now with paperless billing ( to avoid a {$2.00} a month charge ), it lands in junk mail and I have {$41.00} in late fees. How is this beneficial for the consumer? How is this helpful for the elderly who do not use online bill pay or email? How does this help people who are handicapped? This is a procedure that is strictly to line the pockets of the bank and is bad for consumers.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NJ)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name ; XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

15 U.S.C. 1681 c-2 a consumer reporting agency shall block 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. This practically shows that you are in violation of this law because I am a victim of identity theft. 

This account placed on collection by Debt Recovery LLC should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer with 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. Kindly delete this account immediately.
Consumer complaint received 2024-02-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I just received this card once I got my new car. It is a card with XXXX. Every time time I try to log in to my account I have been having issues. When I tried to register my account it gave me an issue and i had to call customer service. When I was on the phone I was finally able to register my account. I made a payment. I signed up for paperless statements and to receive emails. I got an email with my confirmation of my payment. Now I am trying to log into my account for the past XXXX days and I am not able to get into it. It also is showing online my phone number is not on my account and only my email is. I called up and spoke with a representative and they told me the website is down try later. I, have now spoken with another person and they have informed me everything is working fine they are not sure what is going on with my account. She stated she sees my phone number and that when I made the payment they are not able to send it as an email but through the mail. She gave me my confirmation and I also have received withdraw information from my bank. This is ridiculous this is my first month with this credit card And it has been such an issue. I have read online many people have complaints about this same exact bank from XXXX years ago. Online it shows my account is not found.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

Beginning of XXXX of XXXX  I called to see what my options were to paying off my debt for a credit card I have through XXXX. 

The representative for the hardship department enrolled me into a program to pay off my debt in a matter of XXXX years with a low no interest month to month payment of around XXXX dollars or more. 
But the catch was I had to give them around XXXX dollars up front and Id be enrolled. 
The issue is they set up the automatic payments and never enrolled me. They tricked me. 
So I was making payments that were being charged for below the minimum plus interest etc. 
I caught wind of it after the XXXX month and called them in the beginning of XXXX to sort this out. I was told the representative just didnt enroll me despite making notes about it on my file. I was told over and over again there was nothing that could be done and the only way of fixing this was to give them XXXX XXXX dollars up front or so. 

They misled me into a deeper hole of debt and I am truly trapped. I dont make enough and am already paying off other debts. 
Surely this is unfair and bad practice. 
For years now this debt eats away at any other payments I make. I lost my job and recently got a new one that doesnt pay that great. Ive been struggling to survive.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I had went to Citi bank on XXXX XXXX XXXX and withdrew XXXX dollars from my savings account via ATM, I arrived there at XXXX and I was having trouble placing my card in the ATM, a older guy gestured me to use the ATM it seemed like he just used I was unable to place my card in that ATM as well, he then grabbed my card and hit contact less, he gave me back a card that I thought was mine, I took my money put it away and left. A little after XXXX I realized I had the wrong card and returned to the bank, I had not realized that at XXXX a teller withdrawal came out of my account for XXXX  dollars, I have completely complied with the investigation and sent my police report to the team. I am a college student and I asked the customer service multiple times for a provisional credit they stated once I signed the affidavit, I signed it explaining that my card was swiped out and I have no clue how this man got my PIN number, I was told that I cant get a credit because it was teller withdrawal, I was hung up on twice in one day by Citi bank representatives in the fraud department. I have been ran all over the place I feel like its not being taken seriously because of me being a minority, I changed banking institutions because I no longer feel like my money is safe, I have been with that bank close to 5 years and I have been treated awful in this situation, I have had to resort to using my credit card to purchase books for my upcoming semester its just horrible. I call for updates they are saying the investigation can take up to 90 days one day 60 another its very frustrating. Please look into this on my behalf. Thank You
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Tuesday, XX/XX/year>, I opened an estate account at the XXXX XXXX branch of XXXX Bank in XXXX, MA. It was funded by over {$XXXX} in cash. I was given checks in order to pay funds owed by the estate to various creditors including myself. I wrote a check drawn on XXXX Bank in the amount of {$XXXX}, XXXX and deposited into my personal checking account at Bank of America at its branch at XXXX XXXX XXXX in XXXX, MA, a short distance from the XXXX Bank. The deposit was made on XX/XX/year>. This was the only check drawn on the XXXX Bank Account. When I deposited the check, I received notice that the funds would be on-hold until XXXX on Monday, XX/XX/year>, at XXXX. I expected some delay in funds availability due to the size of the check, but because the check was drawn on a local bank and I knew that sufficient funds were available at the account at XXXX Bank, I assumed funds would be available in a day or XXXX. I visited the branch of Bank of America XXXX XXXX XXXX XXXX, explained the situation, and told them I thought they were in violation of REG CC. I was told that BofA was a big bank and and it would be difficult to reach the personnel to resolve the situation and to wait until Monday. In the meantime, many checks had to be written to creditors of the estate and I would not write and send any checks in advance of having funds in the account. I the went to XXXX Bank and found that {$XXXX}, XXXX had been withdrawn from my account by Bank of America XXXX XX/XX/year> and were being held in violation of XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.Sunrise credit service {$1900.00}
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

Car loan was opened without my consent or authorization under my name and personal information. I contacted the business that authorized and provided an individual a vehicle under my name without authorization. JPMCB Auto I contacted them several times I asked for surveillance cameras, contacted better business bureau, made police reports. The auto business arent doing anything about it also they are trying to cover there selves. I want this loan removed off my credit report XXXX XXXX XXXX XXXX XXXX Thank you for your time.
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (AZ)

XX/XX/2022 collection agency tried to collect on a loan I did not take out with Maxlend Working with Maxlend I was able to verify I did not incur the loan- Maxlend never acknowledged this however in XXXX of XXXX received letter from collection company that case was closed Maxlend refuse to give me information or letter of apology for mixup or improper use of my social security number Ive received an I 9 from their parent company makes XXXX  XXXX XXXX XXXX XXXX XXXX ND XXXX with a disconnect phone number XXXX showing loan was discharged
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation (TX)

I have attached a recently received letter from Regional Finance that states that they are no longer the owner of this debt. Per the letter, Regional Finance states " Additionally, the above-referenced account has been acquired by XXXX XXXX XXXX XXXX XXXX . All ownership rights to your account, including the right to payment, now belong to XXXX XXXX XXXX, XXXX " Due to this statement, Regional Finance should not be reflecting negatively on my XXXX Credit Report. If they are no longer the owner of this debt and no longer interested in payment, this should be removed from my credit report. If they no longer have any interest in this debt, are no longer owners, no longer connected to this debt, then it should be removed from my report.

I am asking that their information be removed from my credit report. This is an unfair business practice to ruin my credit behind an account that is no longer of interest to them. This is unethical.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (IN)

I received a Promotional Offer from OneMain Financial an when I went online to review what amount was being offered, a screeen popped up and published the following info : Looking up your offer won't affect your credit score. I reached out to OneMain Financial and I was told to provide my Bank Stmts, and I told them No. I was then told the offer I qualified for was denied, because I did not provide my Bank Stmts. I retrived my XXXX Credit Report and was I had a Hard Inquiry on my Credit Report and I lost 2 points. 

I filed a compliant with XXXX, and they informed me that OneMain Financial refused to remove the Hard Inquiry. Please see the following documents attached : OneMain Financial Promotional Offer ; the published notice that my credit would not be effected ; the Offer from OneMain Financial, and the response from XXXX. 

OneMain Financial is publishing false information, to Consumers, and effecting their Credit, they are also requiring Bank Statements, that they are not entitled to, if they want to verify Income, or as I was told a Mortgage Payment, they should have reached out to the IRS or my Mortgage Company. Unbeknownst to them, my Mortage Payment comes from my Investment Account, not my personal checking account.
Consumer complaint received 2024-08-14
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AZ)

I was a victim of internet scam and received fraudulent charges in my debit card. The company that handled the dispute is way2go payment processing services for XXXX XXXX. On XX/XX/XXXX I made a purchase for a computer chair. On XX/XX/XXXX I became aware that this was a fraudulent company. My item never shipped, the website had been taken down and the phone number disconnected. Additional fraudulent charge was also made on my card. As soon as I became aware I contacted way2go and they issued me a new card and refunded the 2nd charge but they refuse to refund the first charge. They also will not provide me information as to why they rejected my claim and subsequent appeals. When I speak with them over the phone they tell me that my claim will be resolved that it does qualify as fraudulent but then I receive a denial letter in the mail. I have completed 3 appeals and each time I am told on the phone that my appeal will go through because Ive provided all the adequate information but then each time it gets denied and they cant provide a reason. Last time they told me that the appeals personal is not adequately reviewing the documents Ive submitted and was assured they would make sure it would get done on this third appeal but again it was not done and they denied it with no cause. I dont have the date of the initial appeal but the second one was XX/XX/XXXX and the third one was XX/XX/XXXX.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (NC)

I was scammed into making a XXXX  payment and never received what was promised in return. I requested a refund on numerous accounts and nothing in return. I filed a dispute with the bank and they said it was not a fraudulent payment. it was absolutely fraud and it was a payment for {$XXXX}
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This evening, I discovered some inaccurate accounts on my credit report and I have no clue why they are there. I reviewed my credit report as I typically do, but this time there were unexpected discrepancies. I attempted to refresh my browser to see if it was just a glitch, but that did not resolve the issue. The inaccurate accounts remained even after refreshing the page. Therefore, I request a thorough review of the documents I've sent to prevent any future worries.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

Unauthorized inquiries appeared on my credit report this morning, and I have no idea why. When I checked my report as usual, there were discrepancies that hadn't been there before. I tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. Because of this, I am requesting a detailed review of the documents I've provided to prevent future worries.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Received an email XX/XX/year> that a fee of {$1.00} to receive a paper statement beginning in XXXX, XXXX  I do not recall receiving a change of terms notice that this fee would be assessed. I verified on my XX/XX/year> statement, dated XX/XX/year> that there was no change of terms notice. Attempted to interact with Live Agent on chat on XX/XX/year>. No copy of notice was offered. There were no options to continue to receive paper statements at no fee. Decided to close account rather than incur monthly fee for paper statement. Reg Z, 1026.7, requires that a creditor provide a statement. There is no options for charging an account holder a fee to receive that statement. Also, 1026.5 ( b ) ( 2 ) ( i ) requires that a statement be mailed.
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA ()

I was on the XXXX repayment plan. On XX/XX/year>, I was out on administrative forbearance for this plan. At the time, my student loan balance was approximately XXXX dollars. I have been on administrative forbearance since then and was told by XXXX XXXX that during the time of forbearance I would not be charged XXXX on my loan. I received a letter yesterday from my servicer, Mohela. The letter mentioned that my interest on my loan had capitalized and they added XXXX to my loan amount. However, I did not have any event that would trigger loan capitalization ( i.e. switching to a different repayment plan, loan consolidation, etc. ). I believe that this interest capitalization was made in error as I should still be in administrative forbearance.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I was the victim of identity theft in beginning XX/XX/2022. I locked all three credit bureau accounts. Equifax will not grant me access to my free online account. I have called multiple times and sent them documentation that they requested ( twice ). Customer Service says they have the documentation in my account. They repeatedly say they are going to " escalate '' the issue and I will receive an email to reset my password. Every time I attempt to reset the password and gain access to my account I get a message to call Customer Service. I have spent countless hours on the phone with customer service with no resolve.