davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (CA)

This original creditor is still on my credit report as a closed account 1ST DIGITAL/SYNOVUS/XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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  But XXXX XXXX  is reporting the same account as a collection XXXX XXXX XXXX Original creditor : FIRST DIGITAL XXXX SYNOVUS BANK Balance details 0 % paid off Balance {$530.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Payment summary 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 PAYMENT HISTORY LEGEND If a consumer 's credit report shows a closed account under the original creditor and also as a collection by a collection agency, it could be seen as a duplication that may mislead the reader to believe there are two separate debts. This would be a potential violation of the FCRA 's accuracy requirements.

the FCRA that are potentially violated in this situation involve ensuring the accuracy and completeness of credit reporting, particularly Sections 1681e ( b ) and 1681s-2.
Consumer complaint received 2024-06-19
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: DISCOVER BANK (CT)

This is a long standing dispute over a checking account whereby Discover Financial Services/Discover Bank allowed another person to use my account. There are a number of problems with the investigation but that is not the specific subject of this complaint. I have filed a grievance against the General Counsel for Discover, XXXX XXXX, and in asking for more information ( which Attorney XXXX directed her people not to provide ), Discover Bank sent me a letter stating that they will continue to report my checking account to XXXX after the statutory deadline, which is five years, which means that this debt can not be reported after XX/XX/year>. This is a violation of the Fair Debt Collections Practices Act and is also unethical. A copy of the letter is attached.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

This is in regard to my recent complaint with Wells Fargo case number : XXXX I received a letter informing me that my claim was denied. The investigation was conducted by XXXX XXXX of Wells Fargo XXXX XXXX XXXX XXXX. The letter stated, " XXXX XXXX XXXX XXXX XXXX conducted our own investigation, and we determined your claim number XXXX for a total of {$1500.00} was correctly declined as we were not able to find any indicators present confirming fraud on the account. '' I did not receive any proof of how they concluded that those were valid transactions by an authorized user. Are there valid proofs that I indeed received the products that I was charged for and that I was the one who made the transactions? I will file a police complaint if Wells Fargo won't be helpful in me getting my hard-earned money back.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. 
The details of my complaint are shown in the attachments. 
I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (LA)

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my Federaly Protective consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years. 
A person should not furnish any information relating to a consumer by any consumer sumer ageny
Consumer complaint received 2024-07-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Coinbase, Inc. ()

Coinbase has kept my account under manual review for about 7 months now. The email I received stated that my issue would be resolved and my account would be usable within 3 months at the latest. However, they keep asking me for the same documents repeatedly, and I doubt they are taking them seriously and actually reviewing them. I stopped responding to them, but when I saw that I had no other option, I decided to respond again. They informed me that my account had been restricted because I did not respond within 15 days and that they would respond if I provided the requested documents on the latest email complaint record. I replied, sent the requested documents, but two months have passed and they have not contacted me. I reached out to them again wondering if they had seen my response, but there was still no reply. I then contacted them XXXX XXXX, and they said they were working on it and would get back to me as soon as possible. What kind of 'as soon as possible '? Not only have they caused me inconvenience, but they haven't responded for two months now. I demand that the restriction on my account be lifte
Consumer complaint received 2024-06-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I bought a XXXX XXXX gift card that I thought was issued by XXXX XXXX, but the packaging was misleading, and it was XXXX XXXX  instead. I don't want it, I want a refund. The product does not work as advertised. 

XXXX. 

The servicer InComm still has not given me a working replacement that works everywhere as advertised and has not provided a refund. 

GIve me my money back.
Consumer complaint received 2024-05-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Today I received an emailed letter stating that Syncrony Bank  had closed my Sam 's Club credit account. Two years ago they reduced my available credit to {$100.00} because my credit score had dropped. My credit score has since risen considerably and I pay off any outstanding balance in full every month, This card had a zero balance on it. After calling them, I received the excuse that my credit score had changed. After talking to them, I found that my score was higher than it was last year. There was absolutely no reason to close the account. 
The customer service agent was very rude and told me that my only option was to reapply for a new account, but then told me that it would probably get denied. I told her that It was stupid to tell someone to reapply if they are knowingly going to get denied and then also have an inquiry posted to their credit report, which will impact their score. I was told that they will not reinstate my account
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OR)

Care Credit/Synchrony Bank Closed my XXXX XXXX account and significantly reduced my available credit on the Care Credit account This action adversely affected my Credit score by over XXXX pointsThis action increased my credit utilization score to over XXXX percent. This action on their part was not justified. 
I have never missed a single payment or have ever been late. 
This financial institution also charged a one time interest fee on XXXX in the amount {$1600.00} on a balance of {$1900.00} which brought the total owed up to over {$3700.00} then they changed the interest rate to a 26.99 percent APRThis was a bait and switch tactic and clearly constitutes predatory lending practicesI have all documents that prove and substantiates my statements.
Consumer complaint received 2023-08-02
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. (CA)

I am a victim of identity theft as my social security number and my driver 's license has been compromised and there have been multiple unauthorized accounts opened under my name on my credit report. I have filled out an identity theft victim complaint and affidavit but am waiting for my new driver 's license in the mail in order to get it notarized. I have also been advised to file a police report, which I may file once I receive my new license in the mail. I have disputed multiple fraudulent accounts being reported on my credit with XXXX, XXXX, and TransUnion. The only bureau that has done right by my request/demand is XXXX. I am including a copy of my most recent XXXX credit report with the most up-to-date information. I am requesting that XXXX and TransUnion review the XXXX credit report I am attaching to this complaint and update my credit report EXACTLY how XXXX has done so! 

I am also attaching a subsection of the FCRA to justify these changes. 

Since XXXX has met my demands of updating my credit report to the current and correct information, XXXX and TransUnion MUST update my credit report exactly as such.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX (XX/XX/XXXX). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

IXX/XX/XXXX
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: WELLS FARGO & COMPANY (PA)

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, section 602 ( a ), it is essential that consumer reporting agencies manage their responsibilities with fairness and respect for the privacy of individuals. As a consumer, I have the right to ensure my personal information is protected. This is further supported by 15 U.S.C. 6801, which mandates financial institutions to safeguard the privacy and confidentiality of their customers ' nonpublic personal information.

XXXX, as consumer reporting agencies, and [ Furnisher of Information to Credit Agencies ], as a financial institution, are subject to these regulations. 15 U.S.C. 1681, section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished with the consumer 's written instructions, which I have not provided. Consequently, any prior consent, whether implied or explicit, is hereby revoked.

Furthermore, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to opt-out of such disclosures. I was never informed of my right to opt-out by [ Furnisher of Information to Credit Agencies ] . Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a report if it is older than seven years, except for criminal convictions. The inclusion of such information without my permission violates this statute. 

Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no entity should furnish information to a consumer reporting agency if they know or have reasonable grounds to believe it is inaccurate. It appears that XXXX are not adhering to the requirement to maintain reasonable procedures to prevent such violations, as stipulated in 15 U.S.C. 1681e. 

I am also exercising my right to opt-out of the reporting services of XXXX as per 12 CFR 1016.7, which allows consumers to opt-out at any time.
Consumer complaint received 2017-06-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I am being told after getting to the end of the refinance process I will have to have my divorce decree amended before I can refinance. My divorce decree states I have 24 months to pay my exhusband the half owed equity in the home . Nationstar is telling me I have to pay him through the refinance. This is illegal. Nationstar is demanding I pay out my husband through the refinance although legally I  do not have to . Nationstar requested I take out a higher loan amount and increase in fees in order to complete their fictitious process. It is a way for Nationstar to continue to hinder home owners by making them take on more debt. Stay away from this company! I should h ave listened to the other comments before choosing this company and wasting over a month of my time.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (CA)

earlywarning makes it VERY TEDIOUS AND DIFFICULT to request a " free '' report. Fill in paper form and upload to password account. They make Zelle easy to use but throw roadblocks when consumers want information from them
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC (FL)

I believe XXXX XXXX put me and wife in mortgage we couldnt afford. we end up filling bankruptcy. We are still living in the house. Now another company holds the house and they going through and filed for foreclosure. File date was XXXX XXXX i just got check from XXXX XXXX for XXXX for mistake they could have committed. i have not payed my mortgage since XXXX.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, 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)

UNFAIR OR DECEPTIVE ACT OR PRACTICE BY XXXX On XXXX, I placed a call to XXXX Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with XXXX XXXX services XXXX XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my Equifax report. 

I would like to request that this unauthorized hard inquiry in my Equifax report by XXXX and XXXX XXXX XXXX be immediately deleted from my Equifax report. Such Deceptive behavior by XXXX staff XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5.

Copy of FTC complaint filed attached
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank that managed my P.C. Richards account closed my account because I did not use the card with a XXXX credit line for 3 years without my knowledge. P.C. Richards did not know they did this either. Synchrony Bank said to reapply to which they denied me. 
I had this card for at least 20 years with a {$20000.00} credit limit that went poof. Not only did it hurt my credit score that I had that was over XXXX, the length of time of having this credit also dropped my score.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (IL)

I have reviewed my CONSUMER reports and i noticed that I had three late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XXXX, XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MO)

XX/XX/year> I mailed a certified letter to CBE GROUP requesting the validity of an alleged debt they claim I ole and I have yet to receive a response. Therefore, XX/XX/year> I sent a second mailed letter requesting the same information, a validation of the debt with original copies of information requested.
Consumer complaint received 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AZ)

In my XXXX XXXX I have student loan repayment ( SLRP ). On XX/XX/2023 & XX/XX/2023. The XXXX XXXXXXXX XXXX submitted multiple payments on my student loans to Ed finnacial service, who was my loan service provider before it was trasnferred to XXXX. Ed Finnacial services lost the payment failed to return the payment or transferr it to my new service provider. To me it seems like someone is stealing money or some sort of fraudalent activity. I am submitting a report to the FBI as well. At this time it has been over 4 months and the investigation has gone nowhere.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite my attempts to clarify the validity of these debts with XXXX XXXX XXXX ( XXXX ), they have failed to provide any documentation confirming the legitimacy of the reported charges. Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I kindly urge you to provide proof of the charge-off status for these accounts. If you can not provide such evidence, I insist on the immediate removal of these accounts from my credit report. XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please remove these fraudulent accounts in my credit ASAP. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2024-06-14
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-17
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. (GA)

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 XXXXXXXX XX/XX/XXXX I never gave no one authorization for these and I would like them to be removed from my report.