davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

I am writing because, in the very early morning hours of XX/XX/XXXX I paid {$17000.00} toward my outstanding student loan debt ( see Exhibit A, account history by EdFinancial ). Later that morning, I received an email from the Department of Education informing me that I was eligible to have my student loans forgiven ( see Exhibit B ). I immediately contacted EdFinancial to state emphatically that I did not want to opt out of IDR forgiveness ( see Exhibit C ). 

Since then, I have been unable to obtain accurate information about when and how I will receive the refund of the {$17000.00} I paid on XX/XX/XXXX XXXX Exhibit A seems to indicate that the monies have been refunded, but that is not accurate. The Federal Student Aid website states that I will receive a refund through the same method through which I made my payments ( electronic ) ( see Exhibit D, printed on XX/XX/ ), but that is not accurate. The Federal Student Aid website also lists my loan balance as {$0.00} ( see Exhibit E ), when it is in fact XXXX 

I have had several emails from EdFinancial stating that the refunds will be issued by the Department of Education and the U.S. Treasury ( see Exhibit F ). Most recently, I received an email from EdFinancial directing me to go to XXXX  in search of information about my refund ( Exhibit G ). It was of no help at all. 

I very much need the refund of {$17000.00}, as soon as possible. Please advise what I can expect, and what steps, if any, I need to take to obtain the refund as soon as possible.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have been with Capital One bank for about 1 year. I decided to have my salary/commission from a contracted marketing job sent to my capital one account. 
They received the bankwire and then I tried to open a savings account but they did not let me. So I instructed them to bankwire my money from my capital one checking account to my XXXX XXXX XXXX investment account at another bank. Both accounts are in my name XXXX XXXX. 
They canceled my {$50000.00} first bankwire Wednesday, XX/XX/XXXX, and told me to call in as my account was restricted. I called in and answered all their questions and then they said that was great and to resend the bankwire for the next day. 
I then initiated the {$50000.00} bankwire again and Thursday they again restricted my account and I called in and they asked some more questions which I answered. ( which were the same as other day ) It was again back to normal and they told me the resend the bankwire and again they didn't send the bankwire, again. I called in this time and asked to speak to a manager and she took even more questions and verified everything again and then Monday I resent the bankwire and this time it was successfully transferred. 
I then wanted to send {$14000.00} more and they cancel that bankwire today to the same investment bank in my name and when I called in they stated that they no longer want to do business with me and will close the account and my fund are held. They told me they have no timeline to send the money back. and gave me the case # XXXX. 

I have told them it is not acceptable that they keep my money and that I will report them. They didn't care and told me the account was closed and I could call in the future to see if anything is new. 

This is not acceptable and I request my money sent via bankwire to me at another bank urgently!
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

XXXX XX/XX/year> I received a call from Comenity Bank regarding my past due bill from XX/XX/year>. I agreed to pay the bill along with the next due payment for XX/XX/year>. The person I spoke to offered me to set up automatic payments up until XXXX. The offer was to pay somewhere between XXXX XXXX I requested to pay XXXX $ instead and this person agreed I can pay extra. Everything was set in stone and I verbally consented to the monthly automatic charges. This month of XX/XX/year>, I decided to renew the automatic charges starting XXXX. This is when I noticed I was being charged late fees. When I called Comenity Bank I was told I was not paying the minimum due amount. If I was told a set amount ( which was considered extra by the employee ) and paid it, why am I being penalized? Their negligence is now not only affecting my finances but also my credit.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Account Number : XXXX Account Name : 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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good fait
h pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-12-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I took a Wells Fargo XXXX in XXXX for XXXX. In XXXX XXXX asked me to renew at twice the XXXX, I declined. HELOC reverted to Mortgage for balance of XXXX in XXXX. Now owed is about XXXX with XXXX reporting I have open credit for the XXXX balance ... about XXXX. This is reported to all credit reports. I can not renew the HELOC, I can not get any amount from Wells on this. A small note was added a few months ago after credit reports said I have XXXX worth of credit available. I complained 3 times to XXXX and 2 times to XXXX. XXXX said they saw that I have no available credit and that the report by XXXX that I do have XXXX available credit is destroying my ability to move Mortgage from wells, obtain other HELOC, or refinance, get consolidation loan etc as my total available credit is misreported, deliberately by XXXX, as XXXX K available now. That needs to either be available, or preferably correctly reported so I can get refi elsewhere. I have approximately XXXX available credit at this date. 100 % onetime, never missed any payments yet XXXX will not provide new HELOC, or correctly report that they are not offering any credit at this time according to XXXX 's report no changes have been made, all acknowledge this situation. This seems in retaliation for not accepting a renewal in XXXX, due to the salespersons attempt to conceal the rate increase over the phone. I would never to business with Wells Fargo again. I paid all my debts on schedule to date.
Consumer complaint received 2024-08-29
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)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-08-29
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-02
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

Kay Jewelers Credit CardXXXX XXXX ( Fraudulent Fees and Charges ) I made payments to Kay Jewelers via my banks online banking system. Several payments went through fine no issues. 
XXXXPayment made via online bill pay to Kay. As of XX/XX/XXXX, they do NOT show payment received, charge late fee of {$30.00} Bank verifies that it was sent on XX/XX/XXXX and that the issue was on Kay 's end. I call Kay and get the complete runaround. After calling my bank again, the decision is made to cancel that payment, so that I can make a DIRECT payment via Kay 's website. So the currently lost payment sent on XX/XX/XXXX and a payment that was sent XXXX/XXXX were both cancelled. This same day I paid off this card completely in FULL on the website and closed my account. 

XXXX, I see that Kay has charged me {$71.00} to return the cancelled payments? The payments were never processed as they were cancelled by my bank. My account is paid in full and closed? These exorbitant fees are a fraudulent scam on users of this account. I have contacted XXXX and yet again given the runaround about these ridiculous fees.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

YOUR COMPLAINT I wrote a check ( via XXXX XXXX account personal check ) and put it in the XXXX XXXX  to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the XXXX  and was never cashed by the XXXX. However, the check was cashed on XX/XX/XXXX at the Bank of America. I filed a report with XXXX XXXXXXXX XXXX XXXX XXXX which is when I found out that my XXXX  had not received the money. I have a claim number with XXXX XXXX which I filed on XXXX XXXX XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call Bank of America as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called XXXX XXXX  again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.
Consumer complaint received 2024-07-02
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-02
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-02
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. (PA)

I was unsure as to whether or not this complaint should be " filed '' under the store credit card or under the consumer credit-reporting agencies. 

I am 69 years of age, and keeping an unblemished credit score for the past 55 years is something in which I take great pride. 

Prior to this situation, my credit score was XXXX. 

Due to not having received a monthly statement for two consecutive months from my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX from what I've been able to gather was for a balance of ~ {$57.00} -- my once unblemished credit score took a XXXX nosedive to XXXX. 

A drop in my credit score from XXXX to XXXXXXXX XXXX  over a balance of {$57.00} XXXX seems very heavy-handed to me. 

I've chatted with XXXX ( on XX/XX/year> at XXXX ), XXXX XXXX XXXX on XX/XX/year> at XXXX ), XXXX ( on XX/XX/year> at XXXX ), and one other employee of XXXX. 

Simply stated, I am infinitely more concerned about my credit score than I am with a {$40.00} late fee and minimal interest. 

When I chatted with XXXX, she explained that according to her computer, the two statements that I didn't receive were, in fact, sent to me by XXXX. I know I didn't receive them. Although I wasn't thrilled with sharing the following, I said : " OK. Let 's accept that you sent me these statements. Do you have proof that I received them? '' My personal policy is to pay my c.c. balances only upon receiving statements. Mind you, for many months, my XXXX balance was {$0.00}, as this c c. is one that I use only at XXXXrelated retail stores. 

It was also shared with me that, " When an account is 30 days past-due, the account is reported to the credit-reporting agencies! '' Lastly, XXXX " removed '' a late fee of {$16.00} as well as interest of {$2.00}. 

And yet, my credit score dropped from XXXX to XXXX ( XXXX points ) over a balance of less than {$60.00}. 

I appreciate your assistance in advance, XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-02
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.