davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (GA)

Date of Transaction : XX/XX/2023 Order # XXXX Item ordered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Store Card : {$3900.00} Used XXXX XXXX XXXX XXXX : {$230.00} The company used XXXX to ship the item. The item was supposedly delivered but we discovered it was not at our house. We confirmed from our neighbors that they did not receive it by accident and we reached out to Crate and Barrel and XXXX. Initially they told us to give it a few additional days. It was never received but they stated it was showing delivered. We then filed a police report with the local police for a stolen product because we were also missing some other items that were supposedly delivered at that time. When we initially spoke with Crate and Barrel we provided copies of the police report. They also had us contact the crate and barrel store card who also filed an investigation and we provided a copy of the police report to them. After multiple contacts we were told to file a claim with XXXX for the stolen unit. We reached out to XXXX and attempted to file a claim. 
Case # XXXX Tracking # XXXX XXXX responded to decline the claim because according to their records the shipper must file all claims as per their agreement with Crate & Barrel. We then reached back to Crate and Barrel to advise of their responsibility to file a claim with XXXX but as far as I know they never filed the claim after multiple requests for updates from them. 

Over the last several several months we have been pushed between the Crate and Barrel company and the Crate and Barrel store card. Through out the entire experience the companies have acted as if they would help but pushed blame between each other and / or denied responsibility even though they continued to say they would help. We never received a replacement product or refund. We are not going to pay for something we never received and we know was stolen from us.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Since XXXX, XXXX has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my Equifax consumer profile as requested. Despite numerous disputes with Equifax, they have informed me that only direct input from XXXX can rectify this issue. 

Equifax has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a XXXX representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by XXXX even though their response to the Consumer Finance Protection Bureau and Equifax states otherwise, rendering the letter sent to me and Equifax invalid. XXXX continues to send letters stating " updated payment history, '' instead of correcting the information requested. Equifax and XXXX 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of XXXX 's CEO, I received a letter instructing me not to contact XXXX again regarding this account. This raises concerns about how XXXX is handling customer issues that impact their credit reports.
Consumer complaint received 2023-10-22
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. (SC)

I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.
Consumer complaint received 2023-08-22
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, 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 then records of convictions of crimes which antedates the report by more then 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 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They are reporting inaccurate information on my report in regards to the " closed '' student loan account. Transunion told me that the open date is akin to the day the loan was created which was in XXXX, but i graduated in XXXX which makes this information incorrect. Furthermore since i refinanced the loan there are two loans reporting similar things on my report which makes it inaccurate or a violation of 15 U.S. Code 1681e ( b ) and Transunion is civilly liable under 15 U.S. Code 1681n
Consumer complaint received 2022-05-05
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. (NY)

I've requested my accounts be verified with the 3 credit bureaus ( Equifax, XXXX and XXXX ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a XXXX XXXX child that I can barely take care of because I can not get the extra funding to provide for her. I've had XXXX  XXXX and XXXX XXXX XXXXXXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. Equifax really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called Equifax and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and XXXX is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 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. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I was evicted from an apartment in XX/XX/XXXX due to new onset medical conditions. The debt which at this time is XXXX XXXX XXXX was disputed with all 3 major credit reporting agency 's. XXXX XXXX, XXXX and Experian. i disputed this debt with all 3 agency 's last year and it has been removed from 2 of the 3 agency 's. However, experian shows that there are XXXX accounts with a total debt of {$4200.00} updated on XX/XX/XXXX XXXX i have contacted experian and they continue to lie that there is no debt on my account but the balance persists. Experian has gone as far as prohibiting me from disputing the issue online and no help on the phone. i am looking for help as it is hindering my abillity to purchase a vehicle and building positive credit. Please help.
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

Resurgent Capital Services ( " RCS '' ) wrote me on XX/XX/XXXX about a {$680.00} debt that was charged off XX/XX/XXXX. RCS demanded payment and threatened damage to my credit file. 

I responded via certified mail disputing their claim and demanded RCS cease & desist on XX/XX/XXXX. 

RCS made additional fraudulent/deceptive demands on XX/XX/XXXX, again threatening my credit if I did not comply with their ploy/scheme.
Consumer complaint received 2023-10-22
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. (PA)

I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that XXXX XXXX is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NC)

On XX/XX/2021, I paid off my account with Money Lion Moneyplus Loan account in FULL!! Once the account was paid in full, then the account was closed a few days later which is how their process works. Moneylion just reported on my credit report that the account is closed but was 30 days delinquent when it was closed and this is NOT true. Also to note, the account was not an account that was closed then paid off. It was paid off and only closed because the balance was paid in FULL!!! Which is what they always do once an account is paid off. They are not reporting the most up to date account status at the time of closing for this account. 

I have included supporting documentation to confirm that the account was paid off as of XX/XX/XXXX.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Dispute held on XX/XX/XXXX and escalated on XX/XX/XXXX under the number XXXX. 

I hope this letter finds you well. I am writing to formally lodge a complaint regarding a dispute I filed on XX/XX/XXXX regarding my credit report. As of the date of this letter, more than 30 calendar days have passed without receiving any response from the credit reporting agency, and I have been repeatedly transferred to supervisors and the internal affairs department without obtaining a satisfactory resolution. 

The lack of response and constant transfer to different departments without a clear and definitive solution has caused great annoyance and frustration in my situation. Every time I contact the credit reporting agency, the agents and supervisors provide contradictory information and my case is not handled appropriately. 

The Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies have an obligation to investigate and resolve consumer disputes within a reasonable timeframe, which in this case is 30 calendar days. However, the credit reporting agency has exceeded this timeframe without providing a proper response or resolution. 

This lack of action and delay in resolving my dispute is having a significant impact on my life both economically and personally. My ability to obtain credit, loans, and other financial services has been negatively affected due to the lack of response and the incorrect mixing of information in my credit report. 

Furthermore, the inconsistency in the information provided by the credit reporting agency 's agents and supervisors has generated further confusion and has made it difficult to resolve my case. This lack of professionalism and compliance with the deadlines established by the FCRA is unacceptable and has led me to consider taking legal action to protect my consumer rights. 

I request your intervention and assistance in resolving this dispute in a timely and appropriate manner. Additionally, I urge you to take necessary measures to ensure that the credit reporting agency complies with their legal obligations as outlined in the FCRA and that appropriate corrective actions are taken. 

Attached to this letter, you will find copies of all relevant documents related to my dispute, including correspondence with the credit reporting agency and any other pertinent documentation. 

I appreciate your prompt attention to this matter and look forward to receiving a satisfactory response within a reasonable timeframe. I trust that your intervention will help resolve this situation and ensure that necessary measures are taken to protect my consumer rights. 

Sincerely,
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/XXXX I made two payments to my student loan servicer, Mohela : one for a total of {$5500.00}, and another for a total of {$50.00} ( see attachments ). 

As of today, Sunday, XXXX XXXX XXXX, these payments have not been reflected by StudentAid.gov nor Mohela. Interest continues to accrue even though the payments have been fully processed and are completed according to my bank which sent me the Acquirer Reference Data, Network Reference ID, and Transaction Approval Code ( see attachment ). 

I have sent messages to Mohela and StudentAid.gov for assistance in understanding why my payments are not being reflected on my account -- I have yet to receive a response from either institution. I am ready to pay off my entire loan, but because my two payments are not being applied to my loan account, I am hesitant for any more money to leave my bank. I sent two messages Mohela on XXXX XXXX XXXX 

A fair resolution would be for the two payments I made on XX/XX/XXXX to be credited to my student loan balance, and for the intervening interest from this amount be deducted from my account, and assurance that my next payment to pay off my loan will be applied in a timely manner.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (PA)

XX/XX/XXXX I got a deposit for XXXX I send about XXXX grand out to family and friend and paid for a couple things thru PayPal that same night they stop my account due to ususably activ come XXXX oclock in the morning I call I get into a debate with the lady she ban my account Also the week before they did the same thing I didnt get ban becuase of good conversation now XXXX is holding XXXX of my money that is well needed this is causing. Me to think XXXX they wont let it go
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MT)

I applied for the SAVE program through the studentloans.gov website. I self reported my income through mohela as I was unemployed at the time. Mohela automatically put me in administrative forbearance, I never wanted to be in forbearance. I requested to be taken off because I did not want to be charged interested. I was told it would take 5-10 business days. It has been a month now. Everytime I call to get it fixed I have to wait on hold for at least an hour. The other day I was on the phone for 4 hours trying to escalate my issue to leadership. I was told that I was not being charged interest by multiple employees even though I know that is incorrect. No one can give me an actual date when I will be off forbearance. I will have {$900.00} dollars of interest a month while I am in forbearance instead of getting the interest credit through the save program. If they did this to everyone who self reported their income they are likely racking up millions of dollars of interest. No one can take me off, no one can credit my account, no one can expedite the process, no one can give me an actual date when my request will be processed.
Consumer complaint received 2023-10-22
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)

Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( XXXX ) I demand be excluded from my consumer report : XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,