davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Mishandling an IRA account, first error, applied the standard withdrawal to another account. No approval by me. Correcting that at branch bank in communication with IRA department. 
Second error. Transfer the remaining funds into a XXXX month cd. With no withdrawal. Renewed the same with a standard deduction of {$270.00} plus income tax {$30.00}. Bank of America showed the total amount as income. 
Went into the branch bank and got assurance that the statement would be corrected before XX/XX/XXXX. Went back to the branch bank on XX/XX/XXXX and they were unable to give me a print out the corrected statement. Had to cash another cd to meet incorrect statement and pay the IRS. Overage of {$6400.00}, 4 months for the IRS to process the amendment.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (KS)

The issue is with CareCredit/Synchrony Bank XXXX We received a monthly statement with closing date of XX/XX/year>. The statement shows a balance of {$1200.00}, a payment of {$50.00}, interest of {$11.00}, and a new balance of {$1200.00}. We paid the new balance due of {$1200.00}, and the bank shared that they received that payment on XX/XX/year>. We subsequently received a new statement with a closing date of XX/XX/year> which shows a previous balance of {$1200.00} and the payment of {$1200.00}, which zeroed out the account. However, the statement showed an interest charge of {$5.00}. When I called the company today ( XX/XX/year> ) to question why we were charged interest on a XXXX balance, I was told that any payment made over {$500.00} results in a hold on the account and that while our account was on hold for review, we were charged interest. My issue is not with the {$5.00}, which the agent I spoke with removed from our account. My concern is with this practice/policy. How many consumers are paying off their balance resulting in the same " review process '' and corresponding interest charge? I think of all the people who, unlike me, don't bother calling and questioning, and end up paying this added interest that shouldn't be charged. If this policy is allowed, shouldn't the company have a system to automatically flag these added charges and remove them or provide a refund? Otherwise, Synchrony is pocketing money that they shouldn't.
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I was promised to be placed in administrative forbearance for XXXX XXXX  for my fed student loan through MOHELA. I was given a letter of this change prior to the transition to the new MOHELA platform. I called the representative about why my new account did not have this forbearance status and they state they have no record of this and have no plans to place my account in admin forbearance even though I have the wrong calculated payment. I have already filed a complaint with studentaid.gov as well.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (AR)

Filed dispute against Fair Collections and Outsources with Equifax and they have refused to proceed with dispute. Sent copy of driver 's license which is all that is required to proceed with dispute. They have refused.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (FL)

In XXXX me and my family was in vacation from XXXX XXXX. My checking account with XXXX got charge around amount of {$1300.00}, I called them and stop the payment. Then the PayPal put that transaction unauthorized to my PayPay checking account. Looks like my PayPal account was used fraudulently for this charge, which was originally limited to my XXXX bank. I contacted XXXX XXXX and advised them that I did not order or receive the item. They said to contact my bank and open dispute. I contacted again PayPal and told them they can not put unauthorized transaction to my PayPay checking account that I never used for. They rejected my fraud dispute and XXXX XXXX as well. Now I am receiving collections call for that charge that I never authorized. I need help to resolve this issue with PayPal and XXXX XXXX.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

My mortgage is through Lakeview Loan Servicing, but they had me sign up to use XXXX through XXXXXXXX XXXX to manage my mortgage payments and anything related to my mortgage. Everything has been going good except I started to get a lot of mailings at home from Lakeview about a service called XXXX that I'm not interested in. The other day I went in to make my payment at XXXX and right after I put in my username and password I get redirected to another site called XXXX where they want me to create another username and password and agree to their terms of service. After reading these terms, I realized that this product is largely marketing and I did not agree to many of their terms of service regarding privacy so I did not create a log-in. But the issue I have now is that they are forcing me to that sign evertime I try to make a payment. I've called both XXXX and Lakeview. Both said they can not help me that I have to use this service. I don't think that is fair. I don't agree with their terms, I don't need it to manage my account, I don't know who set this up or what it is about, and with the amount of data breaches happening, I don't see why they want me to create a separate account that doesn't even allow me to make a payment or manage my account. If you click the make a payment, it takes you back to the XXXX log-in page. It feels like a scam, I should be able to opt. out or should have answers on why I need this service. No one at either financial institutions can help me, provide information on this service, or give me a phone number to call to get rid of it. Frustrating.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-05
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. (WV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$2400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1100.00}
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC. (CA)

Please see letter below, the client XXXX retained Law Firm to sue to the fullest extent to get me to pay. XXXX says that the debt is still with the debt collector and do not mention said law firm in the letter And still refer to my debt as in collections with Caine and Weiner and that I need to contact them. but I cant contact them because they dont even have the debt or so they say. I want to see the agreement between XXXX  and Pucin and Friedland specifically because XXXX  is still saying its with Caine and Weiner according to the XXXX  complaint. Also, it my understanding that if you are collecting a debt you need to state that youre collecting a debt and this letter does not state youre collecting a debt It just goes straight into immediate payment is now required or my client may authorize me to take all legal measures available. XXXX  cant give me a straight answer if they are the client or the deck collector as a client, but there listing XXXX  as their client and XXXX says that Caine and Weiner is where the debt is. Threatening to sue without intent is against the law. im going to need a validation of debt with dates and balances, licenses, etc. I am also going to need the agreement between progressive and Pucin and Friedland with this specific debt. My question is Pucin and Friedland representing XXXX or are they actually representing Caine and Weiner. These are all valid questions and I would like Valid Responses from all parties. I would like agreements coming from all three businesses. if there is any question in the validity of this letter, and I want no further contact. Caine and Weiner also must respond to what happened with the debt.
Consumer complaint received 2024-07-14
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: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/year>, I submitted a debt validation request to Navy Federal Credit Union asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/year>, I submitted a second debt validation request to Navy Federal Credit Union asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/year>, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/year>, I submitted a final debt validation request to Navy Federal Credit Union asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.
Consumer complaint received 2024-08-05
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. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX MEDICAL XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (FL)

I opened my mail on XX/XX/XXXX and discovered a letter was sent to me about medical debt. AmeriFinancial Solutions , LLC. sent correspondence via U.S. mail on XX/XX/XXXX demanding payment for medical services that were rendered at XXXX XXXX XXXX XXXX on XX/XX/XXXX for my XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent my XXXX XXXX medical information to a company that is not licensed to conduct business as a consumer collection agency in the State of Florida. AmeriFinancial Solutions is engaging in unlicensed activity and is falsely claiming that it has a legal right to collect on a debt, which is in violation of both State and Federal law. According to the U.S. Court of Appeals ruling in XXXX XXXX XXXX XXXX XXXX, a consumer in Florida, pursuant to the federal act, can sue a collection agency for its failure to register with the Florida Office of Financial Regulation in violation of the state act.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

Equifax has violated the XXXX act by reporting XXXX accounts that I have no knowledge of. XXXX XXXX  and I was never entered into a contact and would like to see the signed agreement. They have have violated my right to privacy by sharing my medical data.
Consumer complaint received 2024-05-28
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : XXXX XXXX XXXX XXXX Account Type Collection Balance {$14000.00} Date Opened XX/XX/2023 Credit Bureau : Equifax XXXX XXXX XXXX XXXX XXXX Collection Account {$14000.00} XX/XX/2023 Credit Bureau : XXXX XXXX XXXX account type : open account Balance : {$14000.00} Date opened : XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -WELLS FARGO has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH WELLS FARGO where WELLS FARGO ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact WELLS FARGO has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined under 15 USC 1691a and has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit and a benefit causing me to suffer and experience harm and has discouraged me from extending further credit within the banking system. WELLS FARGO instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in mentioning they follow the ECOA perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY WELLS FARGO. Notice it is a fact WELLS FARGO is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND WELLS FARGO AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. WELLS FARGO HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE ACT AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM 3949A AND IRS FORM 211 AGAINST WELLS FARGO. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ZIONS BANCORPORATION (NV)

In early XX/XX/XXXX I was a victim of identity theft. I notified the bank of fraudulent charges on my credit card account. I filled out dispute which they lost. However the Bank did close that card and issued a new one that I did not want. I did not receive the new card. The Bank closed my internet banking at the same time as closing my credit card. I asked them to make sure statements were mailed to me however I never received any statements. Unauthorized transactions in the amount of {$4800.00} were made on XX/XX/XXXX. I recently received all of this information as a judgement from the court was brought against my in the amount of {$13000.00}. I settled with the Bank for the amount of {$12000.00} however, with payments I made back in XXXX and early XXXX I should have only owed {$5000.00}. The Bank attacked me when I was dealing with XXXX treatment for my father and also my wife. I had repeatedly in early XXXX told the Bank I was not receiving my statements and even though the fraud department knew of my identity theft they did nothing to stop the fraudulent charges. I had signed up for estatements and if you do that evidently if your internet banking is closed they do not remove a code to insure statements are mailed.
Consumer complaint received 2024-05-29
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)

To whom it may concern, I had a XXXX card which i had closed in XXXX. They had agreed to remove this account from my credit reporting profile as long as I paid in full which i did. For some reason they never did this. I recently tried to call in XX/XX/XXXX they said they would remove it and stilll have not done so.
Consumer complaint received 2023-08-28
Product: Credit reporting 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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (NY)

I was just able to take a look at my credit report, and am stunned. I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why this company putting this on my credit report. I have never been delinquent on my payments with any of this people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix this account. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above account should be reported as positive standing I thank you for your time. Please investigate and take a look at this account : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (GA)

Equifax, XXXX XXXX and XXXX is showing XXXX late payments on my credit report. I contacted XXXX XXXX about the dates which they can not provide because. my account is in good standards. They can not have any dates of the late payments