davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mortgage Research Center, LLC (PA)

Inquiry on XX/XX/XXXX by XXXXVeterans United Home - was looking into buying house with my boyfriend, but we are not married so the loan was only put under his name when we found a house. I am unsure why they needed my credit score when the VA was aware that we were not married. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX- for miscellaneous, I am unaware of the reasoning behind this inquiry. 

We have been looking into buying a house and started looking in XX/XX/XXXX, my boyfriend purchase the house in XXXX but I am not on the loan. I would like these inquiries disputed from my credit report as it is effecting myself from being able to apply for a credit card.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NV)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (AL)

I sent debt validation letters to XXXX XXXX on XX/XX/2019. I received a response on XX/XX/2019. They did not send me proper debt validation. They only sent an itemized bill which in fact is a direct violation of my HIPPA rights. It included a diagnosis and treatment. An itemized bill is not proper validation as it is not a contract between myself and XXXX XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

The XXXX XXXX  have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the XXXX XXXX XXXXXX/XX/XXXX and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OK)

My Federal Student loans were serviced by Nelnet. In XXXX of XXXX, I finished paying off my student loans. I received payment in full notice for each of my XXXX outstanding student loans. In late XXXX my parents received a letter at their home stating that my loan was past due. As I had paid my loans in full, this was surprising. I called Nelnet and after XXXX hours on the phone I was told they had made a mistake I would be placed on Administrative Forbearance. I received another past due statement a few weeks later. Checking my account, I found I had not been placed on administrative forbearance and interest was accruing on these loans I had already paid in full. Another XXXX hour phone call and I was told they were just processing it and I didn't need to take any further action. It now XXXX of XXXX. There is still no forbearance on my account and the balance on loans I have paid in full is still there. Through email, I have requested written documentation of where this additional XXXX dollar balance came from. Both times I have received a canned response instructing me to call because " it is often difficult to discuss more complicated matters using email communication ''. I have paid these people. It is effecting my XXXX XXXX. I need it stopped.
Consumer complaint received 2023-02-02
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: Jon Barry and Associates, Inc. (NC)

On XX/XX/XXXX a medical office provided my information to a debt collection agency without my written permission. I did not sign a XXXX  waver allowing XXXX XXXX to disclose any of my personal information to the debt collection agency PARAGON REVENUE GROUP. I immediately called the collection agency and began feeling pressured to give an immediate payment even though I explained I did not currently have the amount requested. I have since been advised to send a letter to the collection agency explaining my rights under the HIPAA law were violated as I did not give permission for XXXX XXXX to disclose my personal information to PARAGON REVENUE GROUP, a collection agency. The amount that the collection agency told me that I owed was {$300.00}. I requested to see exactly what XXXX health sent to them and where in that paperwork was my signature stating that they were allowed to forfeit my personal information to the debt collection agency.I also submitted a dispute letter to XXXX requesting that the debt collection report be removed from my credit score, and i recieved a formal letter on XX/XX/XXXX showing the investigation results as DELETED- disputed item was removed from my credit report. I have attached documentation of the letter that was sent to me from XXXX, a record of the incident being reported to my credit score, and record of XXXX removing it, but XXXX and XXXX NOT removing it. If any additional information is needed I will be happy to supply it. This collection is a medical debt under the {$500.00} threshold and I am under the assumption that medical debts less than {$500.00} can no longer be reported to the credit bureaus.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account 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
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (ID)

DO NOT USE CARE CREDIT XX/XX/2024 at XXXX I called to figure out why my husband and could never seem to pay down this Care credit card. We discovered outrageous interest charges that we had been continuously been hit with that were completely unexpected. 

It was explained that a 0 % interest promotion ended 2 years ago and because we had not paid the balance off that we were seeing all the accumulated interest from each promotional period. This was in the fine print of the contract I was completely shocked and shaking. They advertise in Dr. Offices, pet offices, dental offices and are advertised to help you afford these services using the credit card at a 0 % interest. I feel that this is extremely predatory. 

Our current balance is {$5900.00}. it's my understanding the interest rate went up to 29 % apr. Last month our interest charge was {$270.00}, previous month {$630.00}!!!! WHAT!? This goes back further with interest charges far exceeding the min payment! Keep in mind we always pay at least the minimum each and every month but we were Drowning in the exorbitant INTEREST FEES! 

I explained that we have had major financial hardship since the pandemic and we have been doing our very best to keep up and pay off our debts but these fees made it absolutely Impossible. They would not remove a SINGLE fee. Instead, they closed my account, lowered my min payment, but we are still obligated to pay the entire balance. 

I think it's so incredibly wrong to advertise in Dr. Offices, dentist, and pet offices where generally you are likely to have a VERY large bill to pay and will be even more likely to be surprised by the accumulations of unexpected interest charges all at once leaving you in a similar situation as we are right now. DO NOT fall for Care Credit or it's predatory contract or advertising. These office assistants/receptionists offer this application all the time as a means to pay for your services almost out of sympathy or empathy. Morally and ethically wrong.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

MOHELA is a terrible servicer. I had my SAVE plan calculated to {$0.00} payments in XXXX. They reverted my account to the previous {$76.00} a month payment. I was forced to re-apply for XXXX again. I have contacted them numerous times to waive the payment and correct immediately and they have been unhelpful. It is either sit on hold for XXXX hours or wait weeks for a response to a message via their portal. I am now stuck making payments I shouldnt have to make. Dealing with them is impossible.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank and Im sure many credit card companies have capitalized off of crushing peoples credit through various tactics. This makes it so that they can charge more an interest. What happened to me was I was in the XXXX somebody else was handling my finances. I paid my credit card the minimum amount due it was a day, they were contacted and they explained that they would waive the fee. However they dont actually waive the fee. They just charge it into the next month being that I was in the XXXX  all that is known its a statement in the mail so the next month when they went to go pay the minimum due They were not aware that the minimum also included the late fee that they so-called waived making the amount more. This ended up causing confusion, and therefore only the minimum payment was paid in the amount of whatever the late fee was when 30 days past due, which crushed my credit utilization and crushed my credit score so that now I am stuck under very high interest rates with the inability to move it over to a personal loan should be allowed to do this and my credit should be fixed and I should be reinstated the amount that Ive been paying an interest due to their error and not reporting the amount due every month correctly and trying to hide fees when they say they are waving them it was explained to me after once the damage was done
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was doing a normal review of my checking account on XX/XX/XXXX when I noticed all my funds had been withdrawn from my checking and savings account and my account was at {$0.00}. I went up to the bank on XX/XX/XXXX to find out how this could have happened. I sat down with a Banker and she reviewed my account and told me about a transfer that was made from my savings account to my checking account and two {$3000.00} withdrawals that were made from my checking account. One withdrawal was made on XX/XX/XXXX and the other withdrawal was made on XX/XX/XXXX. I told her I did not do that transfer or make those withdrawals. She froze my account and created the fraud claims for my account and opened up a new account for me. Once I got home I submitted a claim for identity theft. 

XXXX will be XXXX months since this fraud investigation has been going on and it has caused me extreme emotional and financial stress. The fraud department has treated me like I'm the criminal and I have been unfairly mistreated. When I got the first letter that my claim was denied, the letter stated " After reviewing the claim, we determined XXXX XXXX XXXX received benefit of the claim ''. I contacted the fraud department and told them again I did not do this and to reopen the claim. A few weeks later I received another letter in the mail stating the exact same thing. I contacted the fraud department again, and had them reopen the claim. A few weeks later I received another letter in the mail that stated " Our investigation of the claim determined that you/your client authorized the transaction. The account owner 's identification was used to make the withdrawal. The bank was not notified your identification was lost or stolen ''. I would not of notified the bank that my identification was lost or stolen because I was in possession of my drivers license and was not even aware that theses withdrawals occurred so I did not authorize any transactions. I contacted them again and this time they said they had footage. They never mentioned footage the other times I contacted them so I asked for the footage to be sent to me and they said they can't send me the footage and a police report would need to be filed. They're claiming I'm on footage but that was never stated in any of the letters sent to me or conversations prior. My account was left with no money, they took all the money I had. I'm retired and I am on a fixed income. I've had to deal with my bills not being paid on time and receiving return checks and late fees. I did not do this. I did not make these withdrawals. I've had an account with Bank of America for almost XXXX  years and they did not protect me as the consumer as someone got access to my account information and my id information and was able to make these withdrawals. During the two days the withdrawals occurred I was in possession of both my drivers license and my debit card.
Consumer complaint received 2024-04-04
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: FISERV INC. (NJ)

The Prepaid Debit Card was provided for FMLA benefits and there was an issue with a transfer I initiated on XX/XX/2023. I transferred {$3100.00} to my personal XXXX account, which I had closed previously, and because of that, I did get the money. but the money should be returned to the money network bank, because the account was closed. 

I have reached out to both companies ( XXXX and Money Network ), but they keep saying the money is not there. 

Money Network is not able to provide the ACH trace number to XXXX to track the transaction. Every time I call them, they put me on hold for 30-60 minutes with no response
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (WA)

I am a victim of identity theft and so I followed all the appropriate steps when dealing with identity theft such as reporting to the local police department, Federal trade commission, XXXX XXXX  to get my identity theft report and affidavit that is needed to be sent to the Credit agencies. I called Experian to get information about the actions taken regarding my identity theft and I was told that I didn't send correct or enough information. I sent everything required of me by the Federal trade commission. I guess Experian has their own rules, which I don't understand. If Experian has their own rules then why is the federal government involved in this action. It seems to me that the information given to me on XXXX XXXXXXXX Federal trade commission should be what is required of me for Experian to do their part in removing these fraudulent items from my report. Do they make their own rules? Does Experian, have precedence over the Federal trade commission? The gentleman I spoke to whose name is XXXX from the Experian special service department continue to talk over me and tell me that the information that I sent was not enough. I pay {$30.00} a month for identity theft resolution and support I have not been contacted once by their resolution department or anybody else regarding the identity theft case that I filed almost 3 months ago. If that's the case I want 3 months of {$27.00} refunded to me and I also want what is required by fcra 15 USC 605b to go through without somebody telling me that I need more information. I sent everything according to the Federal trade commission identity theft.gov.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (GA)

there are fraudulent inquiries on my credit reports ; 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 2023-05-25
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: National Credit Systems,Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - 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 t consumer to 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. As a consumer I am demanding the deletion of this accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-30
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: PLANET HOME LENDING, LLC (WA)

My credit report with XXXX incorrectly shows I missed XXXX mortgage payments after my XXXX XXXXXXXX repayment plan completed. I contacted Planet Home Lending and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. XXXX still shows XXXX missed payments. I have filed multiple disputes with XXXX and they have refused to correct the error.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian was notified via mail and in writing of fraudulent accounts. Experian has failed to block said accounts according to FCRA rules. I sent all necessary information and Experian has failed to comply with the law. Experian last letter requested I send the police report with the officer 's name and police department information. It has been sent and the fraudulent accounts have not been blocked from my credit report to comply with the law. According to FCRA, Experian has four days from receipt of fraud documentation to block all fraudulent information from my credit report. Enclosed are the letters sent and all documentation to prove the accounts are fraudulent.
Consumer complaint received 2024-04-12
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 (GA)

XX/XX/24 XXXXXXXX XXXX  : I initiated an instant transfer from my Venmo account for {$470.00}. The transaction ID at Venmo is XXXX. 

XX/XX/24 XXXXXXXX XXXX : I contacted Venmo through the chat support function in the app. Venmo support looked at the problem and blamed my bank. 

Support : " In this case, I see that your bank accepted the transfer. Sometimes banks take longer than expected to add the money to your bank account ''. 

XX/XX/24 XXXXXXXX XXXX  : I contacted XXXX. XXXX does not see any pending transactions and claims they have no indication that Venmo sent the money to my account. 
XX/XX/24 : I called Venmo to tell them what XXXX said. They open up dispute ID XXXX XXXX The representative tells me that the dispute team will follow up with me via email. I get an email confirming that the case has been created. 

Over the next several days, I call almost daily trying to get an update on the case. No one follows up in email. No one is giving me any idea about where my money is, when it will be available, and what to expect from the dispute process. At some point, one of the people I speak with on the phone sends me an email asking for my bank statement since the time of the transfer. I provide it via Venmo 's portal.

Yesterday, someone from Venmo support gave me an email for the dispute team and suggested I email them. He assured me that they would be responsive to email. I sent them an email asking for an update and informed them that I planned to create a case with the CFPB if they do not update me on the case. 

This is inconvenient. I'm wasting time trying to chase down money that venmo has lost. They do not seem to be pursuing the issue with any urgency and are certainly not doing anything to keep me informed. I would not have used their service had I been aware that there was a risk of this happening and I do not feel that anything on their website makes it clear that I should be prepared for something like this to happen.