davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-17
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. (NJ)

XXXX XXXX The above account does not belong to me I am a victim of identity thief Under 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 resulted 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 terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the 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 copy in demanding the deletion of the accounts listed IMMEDIATELYI
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

ALLY BANK MADE ONLINE PLATFORM CHANGES TO THE FOLLOWING FOR WHICH I HAVE BOTH ACCOUNTS FOR. 
- SAVING ACCOUNT - AUTO LOAN ACCOUNT WHERE INITIAL ALLY BANK HAD TO SEPARATE APPS, AND LOGIN ACCESS FOR THOSE TWO BANKING PRODUCTS. 

ALLY BANK MADE CHANGES AND NOW I CAN NO LONGER ACCESS MY AUTO LOAN TO MAKE LOAN PAYMENTS, AND CUSTOMER SERVICE AT ALLY INSIST I USE A THIRD PARTY APP THAT CHANGES AN ADDITIONAL FEE, AND I DON'T WANT THE RISK OF FRAUD AND LIABILITY WITH USING AN UNKNOWN BUSINESS WITH MY SENSITIVE BANKING INFORMATION. 

I MADE COUNTLESS OF REQUEST TO HAVE CORRECT THE ISSUES OVER THE PHONE, BUT CONTINUTED TO GET OVERSEA REPS, THAT HAD LIMITED UNDERSTANDING AND RESOLVE FOR THE ISSUES. NO ONE HAS CONTACTED ME REGARDING THIS ISSUE IN MONTHS
Consumer complaint received 2024-04-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (CO)

Student loan with XXXX  Higher Education reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, XXXX and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach XXXX  Higher Education, MOHELA to correct the situation. Loan was not reporting on XXXX. 
Impostor applied for a loan using my name, social security number and date of birth. Address of XXXX XXXX XXXX, XXXX, CO, XXXX, phone number of XXXX and email address of XXXX XXXX XXXX  was incorrect. 
Mohela has updated to my contact information and I have submitted a request to issue a PIN on the account so that the impostor can no longer access the account. Mohela is to provide information to remove this loan from my record.
Consumer complaint received 2024-05-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WA)

I am reporting a dispute about FCO : Fair Collections & Outsourcing of New England , Inc . 

My understanding is that you have a lawsuit against this company and I hope you can help me. They have failed to report my statement of dispute to the credit bureas and have failed to provide me with any answers on the phone or in writing. 

This company has given me the runaround on the telephone since XX/XX/year> when I first received their notice of a claim from XXXX  years ago. They have not answered my questions, and have stated numerous times over the telephone that if I do not pay the amount they will report me to the credit bureau on XX/XX/year>. 

I have told them, both numerous times in writing and on the telephone, XXXX times since receiving their notice of debt in XXXX, that I am disputing this claim due to constructive eviction. Every time I called asking them to investigate on their end, they simply told me to pay or I will be reported. I have a credit score of XXXX and this is very upsetting to me that they will not investigate my claim or provide any answers to me other than to pay. It is as if they are reading off a script and not hearing my voice or my questions. 

I feel I am not being protected and they are not investigating my dispute with simple disregard. They have not reported to the credit bureaus that I have disputed I have XXXX obligation to this debt. They have not followed up on my written or telephone correspondence. 

Kindly advise me. Thank you.
Consumer complaint received 2024-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (IL)

I had pre-paid for services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late summer XXXX. Prior to the first XXXX XXXX, a visa payment was made. Months later I received a small balance from the provider, for {$72.00}, for the same services. I had been questioning the balance, as it was a pre-pay service up front, and had been told the amount was on-hold by XXXX. Early XXXX I started receiving calls multiple times a day, and text messages from MBB ( Medical Business Bureau ) out of XXXX XXXX IL. https : //www.mbb.net/ Having understood the debt was being reviewed, I was surprised. MBB was calling regarding the same {$72.00} due XXXX. On XX/XX/XXXX I called XXXX and paid the balance in full. I emailed MBB informing them I was contacting the business to pay the balance that same day ( XXXX ). On XXXX I sent MBB a record of the payment receipt and instructed them not to call again. The debt is paid. 
As of today, XX/XX/XXXX, I am still receiving calls from this debt collector, regarding the same balance and file. I have a voice message from them of XX/XX/XXXX ( yesterday ) requesting payment, which is saved for reference. 
These harassing tactics, calling weeks past payment made, and demanding payment for the same balance, are annoying, unprofessional and unethical.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IA)

In XXXX, I received notification my loan would be transferring from XXXX to Aidvantage and nothing would change in my terms, payment, etc. When I received notification from Aidvantage welcoming me XX/XX/XXXX, 5 days later I received an email saying there had been a change in my loan terms, XX/XX/XXXX - my payment going up from {$75.00} to {$96.00}. I immediately reached out advising this issue and was told everything was still be sorted out and it should revert to my original terms. 

I tried to confirm again in XXXX and was advised the same thing. My payment is now showing late, because it has not changed, and I am not paying the incorrect amount. They are advising there is nothing they can do, that it's still under the same " plan '', but yes they did change the payment amount so it would be paid off under the same terms? That makes no sense to me? That is not the same terms then? 

I am not getting satisfactory assistance and need to resolve this ASAP as they are advising there is nothing they can do.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

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. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX Account name : NAVY FEDERAL CR UNIONXXXX Account number XXXX Account name : NAVY FEDERAL CR UNION, Account number XXXX 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 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (CO)

On XX/XX/2023 Truist ( LightStream ) opened a Credit Card Account in my name with my SSN, fraudulently. I never authorized or applied for that credit card account. The balance is over {$15.00}, XXXX. This violated my consumer rights as they issued credit in my name without my authorization or consent. I have credit freezes and fraud alerts on all three on my major credit reporting agency accounts - no new credit should be able to be issued in my name. 

On XX/XX/2023, I was notified by a credit monitoring service that someone was applying for credit in my name at LightStream. I immediately called their call center for fraud. They were able to positively identify me with my SSN, name, DOB. I told them that someone was trying to open an account in my name. I told them this was fraud. They were able to locate the account, and verified that someone had used a Fraudulent phone, email, and home address to open a credit application. They said they would flag the application as fraud and close it- but they never did. This also violated my rights as a consumer, as when I notified them ( LightStream/Truist ) that this was a fraudulent application, and they positively Identified me, after I told them this was fraud and wanted this application closed, they never closed it- thus exposing me to the risk of credit card fraud. 

The account opened XX/XX/XXXX. 2023 is a direct result of them not closing the fraudulent application for credit, of which I notified them on XX/XX/2023. 

This is abusive, reckless, and fraudulent.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (VA)

I received a notification from my credit reporting agency that my CareCredit account was over the limit. At first, I thought a fraudulent charge had been applied to my account. My payments have been set to AutoPay since inception, always on time, which further raised concern. 

After logging into the CareCredit online portal, I noticed a very large interest charge as being the reason for the overdrawn amount. When attempting to review statements to determine why this interest charge occurred, I could not find the credit agreement to validate the terms. 

In addition, I had never received a statement or notice from CareCredit nor was a statement available online. I sent a message requesting a statement and advising Syncrony ( the financier of CareCredit ) of the issue. 

I am concerned that the lack of sending notices or statements to your consumers advising them of interest rate increases or interest charges being applied on an " as of '' date is misleading and qualifies as a deceptive practice. Please review to remove the interest charge.
Consumer complaint received 2023-12-17
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. (GA)

I submitted a request for investigation under FRA 611 ( a ) to ( EXPERIAN ) on ( XX/XX/XXXX ) concerning the following account ( s ) : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I have received a letter stating that you have " VERIFIED '' the information. I am interested in understanding the process of verification and would like to obtain physical documentation to substantiate this incorrect information on my report. According to FCRA, reported information must be 100 % verifiable and accurate, failing which it should be removed under federal law. ( EXPERIAN has been reporting unverifiable and inaccurate information on my credit report, adversely affecting my credit. I am prepared to take legal action if this information is not " DELETED '' from my report. 

Please refrain from " updating '' or " verifying '' this information without conducting a thorough investigation. I request to be provided with the written contract and physical documentation supporting the information reported on my credit report via USPS mail. Screenshots and medical statements will not suffice ; I require my actual signature on a contract, as this debt is not mine. 

I am seeking this verification because my credit score holds significant importance to me, and I believe it is being unfairly damaged due to this regrettable error. Therefore, I kindly ask that you refrain from sending me a generic response to this request, as I am in the process of preparing a legal case and require specific answers to the questions outlined in this letter. 

I would like to bring to your attention the cases of XXXX XXXX Experian Information Solutions , Inc. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers successfully challenged the bureaus for failing to conduct a reasonable investigation of their dispute and instead relying solely on the word of the debt collectors. I trust that your organization will conduct a thorough investigation and, if unable to provide proof of the validity of the debt, proceed to DELETE the information. 

I expect to receive a response within 15 days of receipt of this letter, or I will anticipate the permanent removal of the item in question from my record.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wrote a check for {$4000.00} to a company to build me a online XXXX store which they failed to do after 8 months I asked for a refund which day gladly did my check was cashed to XXXX XXXX XXXX XXXX did everything needed and transferred funds to Bank of America and Bank of America still states that they're waiting for a response that no funds have been transferred this and that when there's been plenty of responses hold harmless is signed XXXX XXXX money transfer numbers all the works I even had a lady named XXXX XXXX from the escalated services of XXXX XXXX open up a claim for me when I'm not even banking with XXXX and she swears up and down that they have done everything in their power everything that Bank of America needs to pay me and make them America will not pay me my money they have the return check and after like 120 days or something they close my claim stating that they're waiting for response that there was no response when and this started XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was hold on this is signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America and then on XXXX something like XXXX there was instant money transfers and everything else needed to handle the refund and the return or whatever and Bank of America was framing that there was no response when there was definitely response is happening back and forth I have all the paperwork and proof of this Bank of America stamps on my check and everything else they have my check and there's still refusing to pay me my money of {$4000.00} and since then I've suffered many damages and missed investments paid many late fees basically the {$4000.00} has already been spent on these damages that have occurred in the missed opportunities I feel like they owe me much more than the {$4000.00} because since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything I own due to this please help. Also anybody reading this I advise to not use Bank of America for anything do not use Bank of America.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (PA)

I have made more than 240 payments and my loan has been in default since covid. Which qualiifies me for student loan forgiveness. However, I'm still receiving bills and it's still on my credit report.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 


I told Experian and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have a 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. 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 2023-06-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I had a securitization audit done on my property and there is a lot of fraud found. The service mortgager is not the original creditor and have not given me proof of claim under FDCPA under UCC Title 15 Section 1692 ( g ). They have not given me full disclosure..UCC section 3-2-4 they have nit provided the name and the signature of both, beneficiary of both beneficiaries and the original creditor must be disclosed in the same document. SHELLPOINT MORTGAGE SERVICING are claiming I owe them over XXXX  XXXX and has filed a complaint. They are not the Real Party of Interest and are committing Foreclosure Fraud. I will be be sending them a Intent to file a lawsuit
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2024-04-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I send my bills on the XXXX ( or if a weekend the Monday after ) to all my credit accounts ( except my bank account and insurances ), the only XXXX never posted within XXXX days has been synchrony care credit. When I contacted them it was noticed the late fees are added on the due date- they XXXX ) claimed in error and XXXX ) claim they can only reverse XXXX per year. Now for XX/XX/year> bills sent out all checks are cleared except XXXX and XXXX XXXX  - both synchrony - and my credit score has gone down substantially. After speaking to them repeatedly I feel this is a retaliatory measure Cfpb XXXX XXXX ( late fees and interest charges on an account paid in full monthly and sent in mail with all other written checks ) and care XXXX. Same XXXX mailed checks- the only XXXX not received and cleared ( synchrony bank ). This company is sleezy. Please audit and force correction on the practices
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NC)

I have already filed complaints and are logged on your data base. 

My account was closed in error by PayPal after being loyal customer for over 10 years. To reopen, they reapplied via credit pull per inquiry but never received an adverse credit notice without my consent. I have not received anything and thier XXXX based " service '' is a gatekeeper of no use. 

Therefore, as my LOC remains closed after 10 years of perfect payment history I am requesting as a consumer at this juncture to go forward with whatever is a remedy for this deliberate refusal to follow the truth in lending and my rights as a XXXX American on XXXX that they are held accountable with recourse in my favor.