davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. (GA)

I attended XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, GA, and moved to XXXX, GA within three months of starting the XXXX XXXX XXXX. When the school moved from XXXX, GA to XXXX, GA they indicated that they had misplaced all of the school documents and we needed to complete all documents and " sign only '' for our financial aid report. We were also told that the school lost its accreditation, and they were in the process of separating from the affiliate school in XXXX, TX. All students would be refunded any fees associated with any hardships they faced while trying to obtain documentation to show the Department of Education that they met the requirements for the program. This process lasted so long that we were told we had to complete our externship and for us to transfer any credits to another institution we would be charged for the entire program. They kept gaslighting us with promises of correcting the issue and everything would be taken care of. I completed the program entirely in XX/XX/XXXX, they signed another financial aid document again when I was no longer at the school. From XX/XX/XXXX to XX/XX/XXXX, I did not attend any classes at the school, and we were told that if we completed the course we had to wait until XX/XX/XXXX to officially graduate because they did not have enough students to perform a graduation ceremony. 
It wasn't until I started to register for school in XX/XX/XXXX, that I became aware of all of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX had filed for in my name during the program ended. I traveled back to XXXX, GA to figure out what was going on they had moved from XXXX to XXXX, GA, they had changed the curriculum, and none of the financial aid faculty was at the school, one of the professors was now the Dean of the School ( which he was aware of the fraud that was going on ). I asked for documents showing where I had permitted them to apply for financial aid, how I was charged for a program when I had already completed the program, and why were documents showing where I was charged for the program when we were told back in XXXX that we would not be charged because of the separation from the school and the loss of accreditation. 
I filed a complaint with the Department of Education about the school and nothing was reported back. The school closed due to fraudulent activity, and they could not show students accreditation and no credits could be transferred to another institution due to mishandling of student information.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX, I purchased a range and a microwave from XXXX home improvement using an affirm credit card The range cost {$670.00} ( see exhibit1 ) and the microwave cost {$260.00} ( see exhibit 2 ) for a total amount of {$960.00}. Subsequently, Affirm overcharged me and stated that I made a purchase for {$1300.00} and charged me interest of {$230.00} on the amount ( see exhibit 3 ) .Also, Affirm only gave me credit of {$110.00} on XX/XX/XXXX when I should have received credit of {$350.00}. 

Subsequently, when I made what I thought was my last payment to Affirm on XX/XX/XXXX, they reported me late to XXXX and said that I owed them {$650.00}. ( see exhibit 3 ) .When I initially bought the range and the microwave I had to give affirm {$67.00} and Affirm never gave me credit for the payment ( see exhibit 1 last page 3 ) .Beginning XX/XX/XXXX, I have made a total of seven payments to Affirm in the amount of {$130.00} and one payment in the amount of {$130.00} which adds up to {$1000.00} ( see exhibit 3 ) Since, I paid affirm XXXX towards my purchase the amount on XX/XX/XXXX, I have already paid Affirm is {$1000.00}. I don't owe Affirm any money and I have reached out to them and they refuse to correct my payments that I made or reduce the interest on my purchase to reflect my original purchase of {$960.00} or give me credit for the {$67.00} that I paid on XX/XX/XXXX ( see exhibit 3 ),
Consumer complaint received 2024-05-27
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX I have filed three complaints on Synchrony Bank for not closing a fake account in my name in XX/XX/XXXX. Synchrony refused to close the card which w

as an Amazon credit card. Then when they closed the card, It was a balance over {$5000.00}. Synchrony Bak put on my credit report and runin my credit score. I contact the credit report company and sent information about how I contact the bank and the report I filed with the XXXX  and the credit report company XXXX XXXX report the information off of my credit report. 

Then a few months later I started getting letters from Amazon Credit Card. Synchrony Bank is still trying to ruin my credit score. I get at least one bill a month from Amazon Credit card. The Amaonzon credit card is issue by Synchrony Bank. This bank is still trying to ruin my finacial record.

I need CFPB to do something here. This is unethical and you know it.

I want to file the complaint against Amazon Credit Card Company. They are filling report on my credit report after XXXX XXXX removed the false information.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc. (CA)

Prosper XXXX XXXX  reported my account thirty days late to XXXX on XX/XX/2024. I contacted prosper to ask them was I thirty days late. Prosper informed me that I made a payment on XX/XX/2024 and that I was only 22 days late due to late fees added on my account ( See attached ). The prosper representative informed me that they would create a ticket and they would remove the thirty day late on my XXXX credit report. I disputed the information with XXXX and once XXXX contacted Prosper about the incorrect reporting they informed XXXX that the information was correct. I have attached a copy of the statement which shows I paid Prosper on XXXX XXXX, 2024. To make matters worse prosper retaliated and falsely reported that I was over my credit limit to further destroy my credit with XXXX. My credit limit with prosper is XXXX and my balance is XXXX. I contacted Prosper and the representative refused to remove the information and later reported in XX/XX/2024 that I was over my credit limit which is incorrect. My credit limit with Prosper is XXXX. My current balance with XXXX is XXXX ( see attached ) I have attached my current statement which shows my balance is only XXXX. Prosper acts like loan sharks. I XXXX be paying a few days late because of a financial hardship but Prosper is retaliating against me and reporting me as if I am thirty days late and reporting that I am over my credit card limit when in fact I am not. Prosper acts like loan sharks. Prosper was calling me over twenty times a day becuase they had charge me two late fees of XXXX which is almost half the amount of my monthly payment. Prosper is refusing to remove the thirty day late and now they have retaliated and reported that I am over my limit even though I am not.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (MA)

From the start when my husband and I became qualified for  XXXX  mortgage relief program , Nation Star mortgage sent four applications out to be notarized after had we the first three notarized, this was getting very irritat ing and time consuming since we both had to be there. At this time in early  XXXX  they continued to report us as 120 days late when we were on time making trial payments and we told we would not be reported by numerous associates. They also reported the months of  XXXX , and  XXXX  of  XXXX  as 120 days late when they were paid on time. Then  XXXX  of  XXXX  through  XXXX   XXXX  are being report ed 90 to 120 day s past due when they were paid on time. This issue is greatly affecting my credit history and number which hinders my ability to receive a good finance rate which I deserve. Please inquiry with this company.
Consumer complaint received 2024-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

In XXXX the CFPB and Wells Fargo Bank addressed the fake account scandal. We have XXXX accounts open without our approval and XXXX equity accounts. We went to mediator for the savings accounts. The XXXX equity lines and the mortgages were part of the modification miss calculation lawsuit. Which the mediator could not address because that was not in her area of mediation. Wells Fargo Bank paid me {$5500.00} for the accounts. My husband was not included in the settlement of the XXXX savings accounts. In the meanwhile Wells Fargo Bank admitted in writing that they miscalculated in the process of modifying the equity loans and double reporting the equity loans and the mortgage on our credit report. Wells Fargo Bank sent us XXXX checks for {$200.00} each and they did not explain how they calculated the checks they sent. They used Wellss Fargo Bank system to calculate instead of the system that the court directed them to use. They have admitted that they made errors in the calculation. We will not accept the checks that they sent us. On XX/XX/XXXX they us XXXX checks for account XXXX the amount {$1000.00} and account number XXXX for {$500.00} both letters stated that Wells Fargo identified that an error may have occurred to your approved loan modification.
Consumer complaint received 2024-06-10
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. (TX)

XXXX XXXX opened a credit card account without my consent, it was marked as fraudulent within their system and was closed. However, this unsolicited account has been registered within my credit report and thus my credit score has been affected by this, resulting in -11 pts. reduction of my credit score unjustly. I never was or am a customer of XXXX XXXX. 

XXXX investigated and removed this account from their credit report, so I am soliciting Equifax, XXXX and any other Credit reporting service to do the same. Ive attached all the evidence and a copy of the initial complaint to XXXX XXXX and XXXX for reference.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CT)

On Friday, XX/XX/year> I received a XXXX billing statement indicating I was past due in the amount of {$18.00}. I immediately checked my emails and noted I never received any notification. I had no record of receiving the statement of the original purchase in the mail. I immediately made a online payment from my checking account the same day because I was concerned and did not want any problem. 

I also saw that my credit union showed my credit score had dropped from XXXX to XXXX. Upon checking the credit report it showed XXXX had reported me delinquent in the amount of {$18.00}. The actual charge was for XXXX but because I never received a statement a late fee and interest charge was applied making it {$18.00}. 

On Monday, XX/XX/year> I called XXXX customer service number and a recording said the call was being recorded because they were trying to collect a debit. I spoke to XXXX and advised her I was not aware of the balance due as I never received an original billing statement nor was I ever contacted by phone, email, or letter.and I told XXXX that they had reported me as delinquent to the Credit Bureaus, XXXX, XXXX, and XXXX. As I said I was never notified prior to the submission to the credit bureaus either by Phone, Mail, or Email. I know that on XX/XX/year> XXXX changed their credit card name from XXXX XXXX XXXX to MyLowes Rewards Credit card. I don't know if that was the reason I didn't get the original statement. In any case I was never properly notified as I would have taken care of the balance immediately. I reported a Dispute with XXXX # XXXX. I probably should contact the other XXXX credit bureaus also. My store account # is XXXX XXXX XXXX XXXX. 

XXXX posted payment on XX/XX/year>. 

My XXXX XXXX is very important to me and my payments are always prompt and followed up with if there was any question. This should never have been submitted to the credit bureaus without XXXX making contact with me first. 

I am mailing a letter to XXXX to ensure my rights in writing.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MO)

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/year>. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 


The funds in your account will be held for up to XXXX days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Regards, Account XXXX.
Consumer complaint received 2024-07-19
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. (VA)

I have asked the creditor to update the late payments they placed on my credit report and to provide me with, factual documentation that showed I was late. The Creditor, have yet to provide me with this documentation. You ( XXXX  XXXX XXXX ) are in violation of my consumer rights according to Code 15 U.S 1681a2 ( A ) ( i ) -the Definitions ; rules of construction clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; now the term person defined by Congress means An individual. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore, a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER and CREDITOR. 

There is also a discrepancy among all XXXX credit bureaus which is a violation of my consumer rights. XXXX and XXXX are reporting late payments for XXXX, XXXX, XXXX of XXXX and XXXX of XXXX while, Equifax is only reporting XXXX, XXXX of XXXX and XXXX of XXXX. All credit reports must match exactly, if not, then you are in violation. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. 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. 

Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a 3rd party.
Consumer complaint received 2024-07-19
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. (VA)

There is a discrepancy among all XXXX credit bureaus. Your company is in violation of the Fair Debt Collection Practices Act section XXXX. XXXX and XXXX are not reporting the late payment for XX/XX/year> on my credit report. Equifax is the only credit bureau showing the late payment. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. 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. Also, under Section XXXX of the XXXX XXXX, due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have XXXX late payment on my report for XX/XX/year> that I want updated as Ok or paid as agreed because, I was a victim of covid XXXX and legally you should not have put the late payment on my credit report. 

This relief period applies starting from XX/XX/year>, until the latter of 120 days after the enactment of the CARES Act on XX/XX/year>, or 120 days after the end of the national state of emergency ; therefore, furnishers that entered into accommodations related to the COVID-19 pandemic on or after XX/XX/year>, should consider whether to treat it as applying since XX/XX/year>, and change existing reporting to comply with Section XXXX. Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I need TransUnion to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from TransUnion. 

I dispute this account under 15 USC 1692g validation of debts.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Diversified Adjustment Service, Inc. (MI)

I XXXX XXXX is a victim of fraud and I was robbed at XXXX XXXX  a couple years ago by three guys and one was only caught and I have a police report for proof and the case is still on going the guys who robbed me had everything from my social security card Drivers license debit cards my passport and more they took everything. I also have proof from irs that I am a victim of fraud where the person tried to file my taxes got apartments, phones etc in my name and I am trying to get these accounts removed from my report ASAP. 1. Diversified XXXX XXXX for {$530.00} XXXX XXXX for {$2000.00} XXXX. XXXX XXXX XXXX for {$8200.00}. I also need the FRAUD ALERT REMOVED FROM MY ACCOUNT I CANT apply for anything and i stay getting denied. I just ask that I get this resolved and removed and move on with my life I would greatly appreciate it. Even on my social security card the date it was issued is on there because it was a replacement!
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and was excited to start working on building my credit. After checking my credit report, I am confused why there is a derogatory mark on my credit history and 9 hard inquiries. I have never in my life applied for credit. The fraudulent account is XXXX XXXX XXXX with the amount of {$140.00}. AND THE NINE HARD INQUIRES ARE, 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 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (HI)

I filed a prior complaint about a Chase bank decision to cash a fraudulent {$14000.00} XXXX XXXX  Check that was written to me by XXXX XXXX. ( see attached documentation ) The prior complaint is COMPLAINT ID XXXX. 
At first Chase informed me that this was a bank-to-bank issue and I needed XXXX XXXX and XXXX XXXX  to officially request reimbursement. After they did that, Chase said it would not release the fraudulently released funds because the check was " counterfeit '' and not " forged. '' I don't think there is any question the check was forged. I have the original check and a copy of the forgery. The check was also found by a detective in California in the bank account of a mail theft suspect.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX  its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.