davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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. (NV)

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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account was closed on or around XX/XX/year> and I was told that I had to wait XXXX months with a date of XX/XX/XXXX for a check to be mailed out to me because of a claim I had opened for XXXX XXXX XXXX XXXX dollars. This has put me and my family at risk of homelessness and XXXX! I had over XXXX in my account that is rightfully mine that I now have no access to and can not feed me or my family of XXXX including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX! This bank has ruined my life and put me and my family in imminent danger to starve with no regard for our wellbeing. I have been a BOA customer for years and never would have expected to be treated in this disgusting manner! I need my money out of this bank so I can continue on with my life!
Consumer complaint received 2024-04-12
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: R.M. Galicia, Inc. (CA)

Following a routine annual XXXX  check, I was scheduled for XXXX  apt for the second year in a row at the same XXXX XXXX XXXX XXXX facility. ( In XXXX I did the XXXX  as part of this XXXX  visit and was charged extra {$550.00} which I paid since that wasnt covered by my insurance. ) Then on XX/XX/XXXX I still had the same insurance and went to another XXXX  apt . Since I declined to have the XXXX  accompanying the XXXX  ( which is what typically is done ) she had to get special approval from her supervisor and doctor on duty. They both came to the front desk to face me and clarify that I only want the XXXX  to be done. At that point I was informed of the billing responsibility for this service ( ie the XXXX XXXX code XXXX cost of {$150.00} ). 

Timeline of events : XX/XX/XXXX Date of XXXX XXXX code XXXX. Thereafter, claim submitted to my XXXX insurance and they processed and paid XXXX for service code XXXX XX/XX/XXXX I paid the remaining balance for service code XXXX which was {$36.00} confirmation # XXXX XX/XX/XXXX I started calling XXXX XXXX after billing statements from XXXX XXXX on a different letterhead were mailed to me asking for another payment of {$540.00}. XXXX XXXX phone systems disconnect me a few times after long waits. Then I called again but was transferred to 3rd party answering service without any success of reaching the facility where I had my XXXX apt . Ultimately, I was allowed to leave a VM. 
XX/XX/XXXX XX/XX/XXXX First email from facility manager received asking me to provide docs which I did. After many follow-ups, she couldnt explain what services were provided for this second {$540.00} invoice so she passed me onto XXXX XXXX billing department. Where over the past 4 months Ive communicated over phone with 2 XXXX XXXX billing representatives, had a conference call with my insurance company and one of those representatives. Plus, I emailed XXXX XXXX  billing manager who never have responded. 
All in all, I was not made aware that I have to pay for a facility charge in addition to the professional service charge. The use of a single service code for XXXX different changes from XXXX different entities is deceiving. Especially, when this provider deals with XXXX screening and patients. 

Emails and evidence of the above listed documents are available per request. XXXX XXXX has hired Progressive Management Systems to collect the {$540.00} from me, XXXX. XXXX XXXX account # XXXX which states the amount owe is : {$540.00}
Consumer complaint received 2023-12-05
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. (VA)

By the Fair Credit Reporting Act XXXX Account # 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.
Consumer complaint received 2023-12-25
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)

This is the 3rd request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX or 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 a account without my written instructions. 


Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION. 

Lasty XXXX and XXXX asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I never signed a contract with Dividend which means my signature was forged. 
The sales rep through XXXX XXXX lied to us and said that in order for the solar panels to run efficiently we would need XXXX of our big oak trees to be cut down ( XXXX XXXX was supposed to pay for the trees to get cut down ). They never cut our trees down. We called them almost every week and would get the same response " XXXX XXXX is still working to find a contracting tree company, we were never able to speak with a supervisor either when we requested it. The sales rep said our bill between XXXX and our electric company would be no more than {$300.00} a month. Some months were paying over {$700.00} a month ( no cost savings whatsoever ). They never cut our trees down. 
My parents ended up paying to have our trees cut down which cost over {$7000.00} to do. 
Panels were placed on our roof approximately XX/XX/XXXX but were not act/ive until XX/XX/XXXX. Dividend XXXX auto-debited my account on XX/XX/XXXX without the panels being active. I spoke with XXXX XXXX and they paid the monthly solar bill of {$180.00} to Dividend up until XX/XX/XXXX. 
We were lied to from the beginning and our bills have yet to be under {$300.00} between Dividend and our electric company even with our trees being recently cut down XX/XX/XXXX. 
XXXX XXXX also advised we would get a 30 % tax credit so not sure if we will even get that when we file our taxes next year. With that being said, our Dividend payment jumped from {$180.00} now to {$250.00} effective XX/XX/XXXX. 

XXXX XXXX has now furloughed all their employees and closed their days as of XX/XX/XXXX. 
Thank you! 
XXXX XXXX
Consumer complaint received 2023-12-05
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. (TX)

My information was sold and bought illegally because I was a victim of the XXXXXXXX XXXX XXXX  I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I have had many issues with Synchrony, from charging a XXXX purchase on my card without any due diligence as to if the account matched my address and bumbling through removing that unauthorized purchase from the account, to having issues updating their system when I requested bank account changes. I can't even go and pay my balance due this month until the day of, apparently. Recently I logged in and was advised that my credit limit had been revoked ( and my account closed ) because I had missed two payments ( that I subsequently paid because they had gone to the wrong account ) in a calendar year. This was never conveyed to me by mail or by email until after the fact. I have asked Synchrony to provide documentation as to when any notice of this was going to be given, and I have to date not heard back from them, and do not expect I ever will. The company continues to treat every problem I have had with them as unimportant with staff who are clearly incompetent and unable to fulfill basic information requests. I suspect this is standard behavior. I am requesting that the CFPB review Synchrony 's compliance with any regulation regarding timely notification of major account changes, such as the closure of an account with an active balance, of which there was no warning of the appeal period ( which on their website appears to be within 24 hours from the time of action, as if to imply how common of a problem this is, of which I was notified of by mail well after the fact ) could theoretically harm my credit score.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

My student loans are serviced by Mohela, which recently transitioned their payment portal from Mohela.com to Mohela.studentaid.gov. My loans were transitioned over a few week period in mid XXXX, 2024. 

I made a {$2000.00} payment before my loan was transitioned on XX/XX/XXXX, which was cashed by Mohela, but was not applied to my loan balance. I have contacted them multiple times by phone and by email but they are unable to resolve this discrepancy. I filed a complaint with the XXXX XXXX XXXX, and Mohela responded that they would only work directly with me. 

It has now been over a month and they still have not applied the payment and are charging me interest on an incorrect balance.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing thier job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Chronological order of events : 1. In XXXX XXXX sold to XXXX group. I opted to not continue with XXXX bank and the account is closed and a check was issued XXXX XX/XX/XXXX ( {$200.00} ). A few days later I did an E-deposit at my bank Wells Fargo and within days funds are in my account. 
2. XX/XX/XXXX ( 9 months later ) the check is posted again at another financial institution ( See attached copy of deposit and look at the 2 different signatures ). Apparently, XXXX disputes this " double deposit '' with Wells Fargo. 
3. XX/XX/XXXX Wells Fargo informs me that {$200.00} has been removed from my account due to a " double deposit '' ( no record of a double deposit in my account, as this was verified through my history of deposits ). This is the XXXX # : XXXX. 
4. For next 7 weeks I dispute this with Wells Fargo, all the way to the office of the Administrator, and last person that said a " group '' had reviewed my case ( Escalation department - XXXX XXXX XXXX, XXXX ) and XXXX XXXX stated I had no other recourse with Wells Fargo, that the problem was with XXXX bank. Wells Fargo is not looking after my interest. Wells Fargo was the XXXX and should have resolved the problem to my favor. 
6. XX/XX/XXXX I contacted a different department at Wells Fargo, claiming fraud, either by Wells Fargo, intermediary or XXXX bank. New case # : XXXX. Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Fax : XXXX XXXX. I have contacted XXXX XXXX and they have opened a fraud investigation, but 5 months later, they too have not resolved. ( Case # XXXX. Contact : XXXX XXXX. 
8. XXXX XXXX, Wells Fargo determined there was no error on their part, even so 2 different signatures and deposits were made and they decided not to honor the first deposit ( my deposit done days after receiving the check ). Their investigation was textbook shallow without any intent of rectifying. Chronological evidence was presented but they still overlooked all the facts. 

I hope this gets resolved. I personally think someone either from Wells Fargo, the " private clearing house '' or XXXX bank " acquired '' my digital photo of the check and waited some time to " fraudulently '' redeposit at a later date. Or maybe just some glitch. Either way, I am minus {$200.00}. This was the only time I ever have made a digital e-deposit and I will never, ever do it again! 
Wells Fargo has acted very unprofessional and did not do a thorough investigation, swept the problem under the rug. It is obvious that Wells Fargo dropped the ball, did not pursue this and found the easy way out at the expense of the client. 

Here are 6 attached documents related to this problem. 

XXXX XXXX
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OK)

The company sent information stating my loans have been forgiven and is set to a XXXX balance. They have also sent other information after stating I owe a payment and it is still reporting on my credit reports. 
SEE ATTACHED
Consumer complaint received 2024-03-30
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)

To whom it may concern, I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Per Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 
I want my dividends returned to me and mailed to my home. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XXXX XXXX XXXX  XXXX reported to all XXXX credit bureaus that I have more than 30 days late payments on both accounts, I have proof of payments between XXXX and XXXX, so this is inaccurate and misleading information and has affected my credit score by more than XXXX points.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (FL)

Here is an overview of my ongoing issue with Fay Servicing. 





I filed for XXXX XXXX XXXX XXXX XXXX and here are the situations chronologically that led to this foreclosure. 

( 1 ). On or around XXXX Fay servicing started servicing the '' alleged " loan from XXXX XXXX. The exact time has yet to be determined. 

( XXXX ) XXXX They claimed I was behind, my Bankruptcy case was reopened and they were threatened to be sanctioned by the judge for their errors. 

( XXXX ). Payments were made. However, the account did reflect rearages that were assumed to be from balance pre bankruptcy ( 4 ) payments were made over the next 3 years with no attempt to resolve " Alleged '' Default. 

( XXXX ). XX/XX/XXXX Bankruptcy was Discharged ( 6. ) XX/XX/XXXX Fay servicing refused to accept payment and attempted foreclosure action began ( 7 ). XX/XX/XXXX CFPB was contacted and swift action was taken ( 8 ). They sent me modification papers. I assured them their accounting was off and I was not in financial distress for a modification ( 9 ) A final accounting validation of debt was never confirmed by Fay servicing ( XXXX ) XXXX XXXX My bankruptcy attorney was able to intervene and through their recommendation I was given a stream line offer that was {$800.00} more than my original note. To begin XXXX XXXX XXXX XXXX XXXX  ). I made the payments and After the trial period- Mod Documentation was sent to me for a loan that's 2.5 % higher. That was too much for me to continue to bare I instructed the rep That I need better terms but i will continue to pay. 

( 12 ) The only option given was sign new agreement or foreclosure ( 13 ). Payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment was Refused. SEE ATTACHED ( 14 ) XX/XX/XXXX received foreclosure complaint - Indicates I haven't made a payment since XX/XX/XXXX SEE ATTACHED In addition to the above referenced situations. I have no record of a mortgage on my credit report which has prevented me from refinancing. It's almost as if I don't exist.