davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (FL)

Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XXXX XXXX, 2024, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (AZ)

Subject : Consumer Complaint Against True Accord for Violating Rights To Whom It May Concern, I am writing to file a formal complaint against True Accord for their persistent attempts to collect a debt that is not reflected on any of my consumer reports, and for their failure to provide validation of said debt. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My email address is XXXX. 

Despite numerous requests for validation of the alleged debt, True Accord has neglected to provide any evidence or documentation supporting their claim. Furthermore, this debt does not appear on any of my consumer reports, raising serious concerns about its validity. 

I believe True Accord 's actions constitute a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). Their persistent attempts to collect an unverified debt not only cause undue stress but also infringe upon my rights as a consumer. 

I request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against True Accord to ensure they adhere to the regulations outlined in the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (SC)

XX/XX/2023 submitted on dispute to Exeter finance to remove the account from my credit. The last date of activity is reporting wrong on all three credit bureau. The account type is wrong on all three credit bureau. I have disputed it for 5 months now and their are not removing the account.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

XXXX XXXX  sent to XXXX XXXX XXXX on XXXX XX/XX/year> with instant service from XXXX after 5 days the money still hasn't reached the recipientI mention that I pay XXXX XXXX  for each day of delay, so far XXXX XXXX  have been collected
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-16
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: SYNCHRONY FINANCIAL (CA)

I have a few hard inquiries on my report that are not from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCHRONY FINANCIAL XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MS)

After I have rejected offers from Mr. Cooper ( Nationstar ) to refinance my mortgage, multiple times, they have now resorted to retaliatory tactics. They refused to process my XXXX payment on XX/XX/18 ( I have evidence that I scheduled the payment and they acknowledged it ). I received an alarming text message on XX/XX/18 indicating that my payment was now late and offered options to pay it. I have NEVER MISSED OR MADE A LATE PAYMENT ON THIS ACCOUNT AS MY CREDIT HISTORY INDICATES! I immediately called Mr. Cooper and spoke with a representative who first said the payment was reversed because the bank account rejected the ACH. I confirmed for her that the bank had not rejected the payment because the funds for more than sufficient to cover the payment. She then said that the note on the account said that the bank account was not valid. I have evidence that this is the same bank account that Mr. Cooper has debited several prior payments fromwithout issue. 
I became irate and told her that this had better not impact my credit because I have done exactly what I was supposed to do and had made my payment on time using the same method as I had done for recent payments. The representative said that it would impact my credit because my payment was now late. She then asked me if there was a homeowners association and if my dues were current because the HOA could foreclose on my home. WHY IS SHE EVEN TALKING TO ME ABOUT FORECLOSURE?! And whos ever heard of an HOA foreclosing on a home?! 
At that point I knew exactly what they were attempting to do. I took actions to thwart their obvious attempt to put me in a position that would allow them to accelerate foreclosure on my home or bully me into refinancing my home with a NLMS who has a reputation and documented history of these types of activities. I posted not only my XXXX payment ( for a 3rd time, from a different bank account-XXXX  ) on XX/XX/18, I also on Monday, XX/XX/18, posted my XXXX payment from my XXXX bank account. That same day, I made an inquiry with XXXX XXXX XXXX XXXX. I asked if the mortgage payment had been declined. The bank representative gave me an activity printout and it did not show that the draft had ever been presented for payment as it had in previous months. I have the printout. 
On yesterday, XX/XX/18, I checked my credit report and Nationstar has indeed flagged my account as delinquent, 30 days past due.
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (GA)

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies to XXXX XXXX XXXX XXXX XXXX Upgrade Inc. XXXX XXXX XXXX XXXX, through the dispute resolution process, providing all necessary supporting documentation. Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

In XXXX I deposited {$500.00} dollars directly from my bank account into Amazons Secured Prime Store Card. After thought I no longer wanted to have a credit card and wanted to close my account the beginning of XXXX. I spent no money on it so the XXXX $ refund was in whole. Amazon synchrony bank said it would issue a check and i should receive to my address in XXXX business days. I was hoping it would be sooner but it has now been longer then a month and it is XX/XX/XXXX at the the time of this. Every time I called synchrony bank they gave me no answer and said there would be an investigation into why I have not received my check and that it would be reissued XX/XX/XXXX and i should receive it by XX/XX/XXXX, I also asked to speak to a manager and this is what the manager told me. All communication is on record and will show that Amazon employees provided no helpful information and only gave me a date and kept pushing the date back after said date came and still no check. After weeks of waiting I called today XX/XX/XXXX for the employee to tell me the investigation was in my favor and the check was reissued on XX/XX/XXXX and I should receive it in yet another XX/XX/XXXX business days. I am doubting Synchrony Amazon Bank at this point and am just asking for help. This may be only XXXX $ to amazon synchrony bank but it is way more to me or else I wouldve been able to wait but it is different when it is a necessity and a bank is just able to do this with your funds. I hope no one has to go through this.
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I was assigned NelNet after Great Lakes Borrowers was absorbed. In XXXX of XXXX I applied for an IDR plan. It is now XXXX of XXXX and it has STILL not been processed. In this excessive wait, I have accrued almost {$400.00} in interest. I have called ( multiple times ), Emailed ( multiple times ) to no avail. Just this morning I got an email with all of my personal information including my full SSN, and a note saying they can't locate my account - even though I've contacted them from their online portal. 

I am at my wits end. They are doing nothing to resolve this, and I have gotten no communication other than. " We are working on it. '' Or the newest " We can't find your loan. '' I am livid with this useless loan company and feel I am being taken advantage of. I literally can't do anything other than wait for them to process my application all while my interest grows on a matter which should have been resolved within a month to two months, tops.

Come on Nelnet.
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (WA)

I was sold a pest control service from a company named XXXX XXXX XXXX in XXXX, Oregon. They sold me a service saying they would come to my home, locate and plug up holes where pests were getting into my house and set traps for the rodents. They came to my home and set two traps outside with no poison or bait in the traps. They sprayed some sort of chemical around my house. This did not stop the rodents. I used mouse traps to catch and kill the rodents. I had to go into my crawlspace and locate where the rodents were getting in and plugged up the hole. I had to go and buy the poison to put in the traps they left. 

The company did not provide me with the service they promised and I cancelled my service. Now the company is trying to collect for services not provided. They turned me into ARM Solutions for debt collection. I am getting harassing calls, texts, and letters from ARM Solutions. I have told them to stop contacting me and I do not owe XXXX XXXX XXXX any money. They will not leave me alone.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (FL)

I opened an visa credit card from Wells Fargo in XXXX. I NEVER USED THE CARD, and XXXX was on the credit card ( fraudulent ) to XXXX XXXX in XXXX, I'm a resident of Florida they took off some charges, and told me I was responsible for the rest of the charges of which was XXXX. The sent me multiple letter from my complaints, and resolved and closed my account saying in responsible for rest of payment. I've made 2 payments, as I didn't know what else to do, and I know this would start to affect my credit. Please help
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (PA)

I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX inquiry from XXXX XXXX XXXX XXXXXX/XX/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 Inquiry date XX/XX/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 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/XXXX, Forced Homeowners Insurance was purchased for my loan for the amount of {$5600.00}. I was not aware of the purchase till XXXX of XXXX, as my monthly payments did not increase till then. 

On XX/XX/XXXX, I provided proof of homeowners insurance from XX/XX/XXXX- XX/XX/XXXX to the insurance department at XXXX. I was told that I now showed continuous coverage. 

Next I received a letter dated XX/XX/XXXX informing me that the lender-placed insurance for the property was cancelled effective XX/XX/XXXX. 

On XX/XX/XXXX, I called NewRez customer service at XXXX to inquire about the refund of forced insurance premiums and related fees. I was told that XXXX XXXX XXXX, my previous mortgage servicer, was responsible for the charge of {$5600.00} and that I needed to contact them for a refund. I was unable to contact XXXX XXXX XXXX and later found out that XXXX XXXX XXXX was acquired by NewRez. I called NewRez again and this time was told to submit a request in writing to XXXX. I sent a request to NewRez on the same day and asking to be refunded forced insurance premiums and fees. 

As of XX/XX/XXXX, I have not been refunded forced insurance premiums or related fees or heard again from NewRez.
Consumer complaint received 2023-05-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WY)

I have tried on several occasions to dispute a debt with Bloomingdales/XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email. I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and want only true information about me reporting and it is also hindering me from getting lines of credit. I have highlighted the discrepancies. Please remove this inaccurate information as you are in violation.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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

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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (TX)

This letter is being sent to you in response to a letter that I received on XXXX XXXX XXXX XXXX. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act that your claim is disputed, and validation is requested. 
This is NOT a request for " XXXX '' or proof of my mailing address, but a request for your offices to provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide me the XXXX of XXXX XXXX. 
Explain and show me the XXXX XXXX from the original creditor. 
Provide me the XXXX XXXX from the original creditor with my signature. 
Provide me with your XXXX XXXX and XXXX XXXX. 
I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. 
If your offices are able to provide the proper documentation as requested, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also I'm requesting no telephone contact be made by your office to myself or place of employment. 
If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Thank you
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (UT)

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hacked and fraudulent charges incurred on my card I confirmed and reported the fraud immediately and filed a dispute Waystar denied me protection from the fraudulent charges on the grounds of the Business 10 card rule https : //www.consumerfinance.govXXXX XXXX XXXX apparently they are using this loop hole to get out of paying these fraudulent charges I have had my CC hacked in the past several times I reported it or they notified me CC was blocked They took care of it but this time i was denied protection because of this 10 card rule so far they have not shown me this 10 card rule in there terms and conditions only give me the above link to the fed statute any help in this matter would be greatly appreciated XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

A citizens bank employee used an unauthorized bank account to pay a one time payment towards my mortgage. As a result of his huge error, it caused my checking account to be overdrawn severely. I quickly moved money from another account to my checking account as it was taking citizens too long to fix the issue. I raised the complaint to the Chairmans Office and have been speaking to XXXX. He has been extremely unresponsive taking 4-5 days to return my calls or answer my emails. Its come to a point where Ive asked to speak to his supervisor and he refuses to give me the information. The initial fraudulent activity on my account hasnt been resolved and its been more than a month. Id like to escalate the issue to the next level since XXXX has been unresponsive and is causing me undue stress based on a huge mistake made by an employee with intent to cause fraud on my account.