davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fraudulent Inquiries XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, XXXX XXXX # XXXX, XXXX, XXXX, and Equifax. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

On XX/XX/2024 I sent a letter to ChexSystems to verify overdraft fee information provided by XXXX XXXXXXXX XXXX. I requested a signed original consumer contract, overdraft policy of XXXX XXXXXXXX XXXX including dates of overdrafts and fees. ChexSystems was unable to provide the above requested information to verify any outstanding debt. I do not owe any fees to XXXX XXXX XXXX. ChexSystems ' records are not correct!
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

I am in repayment for XXXX XXXX  student loans with Mohela. This particular account is actually under my Mom 's name, XXXX XXXX, though I make the payments under the account as it was for my college education. Like many others, at the start of the pandemic I was told that I could continue to make regular payments during the XXXX  loan forbearance, so I did, in an effort to pay off my interest and start more quickly paying down my principal balance. I was never told that doing this would automatically put my account into a " pay ahead status ''. When the forbearance ended this past Fall and payments resumed I saw that I somehow did not have a payment due until XXXX of XXXX and that the payment was for a much smaller amount than my typical required payment. They also changed the way my account works and no longer allowed me to make one lumpsome payment to be spread out across all of my loans and instead only allowed me to make individual payments for each loan which is incredibly confusing. At this time, I reached out to Mohela on XX/XX/XXXX to inquire. I did not hear back until XXXX after I sent a follow-up inquiry to find out why I hadn't heard from them after nearly two months. They then explained that my account was in pay ahead status and that they could remove that for me if I preferred. They ignored my question about the inconvenient payment structure. That same day I told them to please remove the pay ahead status and asked again for clarification on why I could no longer make one lumpsome payment. I then did not hear from them and reached out two more times for an update before getting confirmation that they would remove my pay ahead status on XX/XX/XXXX. They said it would " take some time '' for the pay ahead status to show, I asked how long and still have not heard back and also asked once again about the payment method and why I could not make a lump-some payment as they continued to blatantly ignore that question. I have now followed up with them four times since XX/XX/XXXX asking when they pay ahead status would be removed and when I could expect to make lumpsome payment and haven't heard anything, despite the fact their website continues to indicate I should be hearing back in three days. I genuinely think this is predatory loan behavior and that they are trying to earn more in interest from borrowers. I paid off my interest completely during the XXXX loan forbearance and was working solely on the principal balance at this point. I think their automatically moving folks to pay ahead status without getting permission and seemingly purposefully ignoring my request to remove pay ahead status is an attempt to get additional interest to accrue on my account. If I kept the pay ahead status, hundreds if not thousands of dollars in interest could have accrued between last Fall and this Fall that would not have accrued if they had simply resumed payment and billing statements as I expected they would and as I have requested that they do.
Consumer complaint received 2024-04-19
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. (CA)

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 XXXXXXXX, XXXXXXXX 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 section604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 witch 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 reason cause to believe the information is inaccurate.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current (LA)

I am writing to make a complaint on Current Bank. It is a XXXX XXXX. I have a XXXX XXXX card with this particular bank. I have been using the card for rental cars, to keep my funds separated. On XX/XX/2024, I had a pending charge for XXXX on my account. I reached out to the rental car company XXXX via phone and email to stop any payments from this account. I had a new form of payment to use instead. I also used the block feature on Current for this company. I was told by XXXX of their reps this is their stop payment. The charge was pending on my account up until XX/XX/2024, after I dropped off the car on XX/XX/2024. The rental car company was STILL allowed to overdraft my account for XXXX, EVEN after taking away authorization to draft this account! Not only is this amount wrong, it was as if the stop payment did NOT matter. I reached out to XXXX they provided me with XXXX  help. They ARE NOT helpful in anything. They lie and overcharge! I was advised by XXXX themselves to send the email I also left several messages with their supervisors I never got a response from them EVER. They continued to charge the card AFTER the email was send stopping any further payments from that card. Im still waiting on a response in regards to my missing XXXX XXXX  and XXXX XXXX. I did an incident report with their lost and found nobody has responded back to me. So, I didnt really expect them to respond. Which I am reporting then to XXXX. Furthermore, Current Bank provided me with XXXX  assistance. I disputed the transaction, pointing out to them I put a stop payment in place to XXXX and the bank. Nobody was able to help me in any capacity. They kept giving generic answers such as the account was force charged, and the Block ( stop payment ) feature would not work in this instance. On top of that, me providing them proof of my emails and proof of the Block feature in use did not work neither. I still lost the dispute. This has caused me an enormous amount of stress and loss of funds. I just feel lied to by both companies. I will attach proof.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One continues to report incorrect information on my credit file. Capital One received a security from me and invested it by depositing it then pooling it together with other consumers securities then selling it to investors. Capital One closed the credit line alleging delinquency but has failed to return the original security used for this transaction. If the credit line is closed then Capital One breached their fiduciary duties by failing to comply with their obligations under section of the security act therefore my investment and money made should be transferred back to me to restore all parties as before. What Capital one is doing and the credit bureaus known as XXXX, XXXX and XXXX are doing is engaging in deceptive business practices and therefore I should be fairly compensated from the harm caused by all parties.
Consumer complaint received 2024-02-22
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)

Bank of America has repeatedly declined our fraud claim after allowing an unauthorized wire transfer on XX/XX/year>, that stole our savings of $ XXXX. Despite our diligence reporting the fraud and identity theft incident promptly to the bank and the authorities, and pursuing details of the fraud scheme with the Mobile Carrier ( XXXX ) and Wire Receiving bank ( XXXX ) in hopes of helping with the investigation and pursuing the perpetrators, we were treated with complete lack of transparency and engagement by BofA 's Fraud team, receiving only boiler plate claim denials on XX/XX/XXXX and again on XX/XX/XXXX. We'd like help to escalate this with BofA for another appeal of this claim. 

My wife and I have joint accounts with BofA and been a customer for 27 years, and we maintained a sizable balance through payroll direct deposits to qualify for the Gold Tier Rewards Program ( XXXX $ XXXX balance ) that they actively promote. On XX/XX/year>, my wife unexpectedly lost cellular service on her XXXX and was a victim of SIM-swapping, and someone impersonated her to request an unauthorized wire transfer of $ XXXX that cleared our joint BofA accounts . We reported the fraud right away to BofA 's Fraud department ( claim # XXXX ), filed reports with the FBI and XXXX XXXX XXXX XXXX XXXX , even alerted XXXX bank where the wire transfer was sent to and we had no relationship with. Still BofA denied our claim on XX/XX/XXXX saying the transaction was authorized by us, clearly implying we were making a false claim and not standing up for their lapse in security in allowing this unauthorized transfer. 

Following escalation to CFPB we were contacted on XX/XX/XXXX by BofA informing our burden to prove we were victims of Fraud and Identity Theft by gathering evidence from our Mobile Carrier, and even then our refund would be dependent on BofA 's recovery of funds. They even said their voice recording of the fraudster is not required in their internal investigation. So we collected details from XXXX XXXX ( XXXX ) and shared the log of events supporting the Account breach and Sim Swapping incident on XX/XX/XXXX, but after reconsidering the case without feedback we were denied again on XX/XX/XXXX. 

We need to hold BofA for their security lapse and subsequent ill-treatment of its loyal customers who trusted them with their financial assets through the promises of its Rewards Program. We've repeatedly demonstrated that we had no part of the transaction, that we quickly alert BofA and the authorities of the incident, and had no knowledge of the account that the wire went to. Thus we should have XXXX $ liability as BofA touts in their customer agreement.The bank is clearly taking advantage of the true victims here rather than pursuing the perpetrators, prioritizing its own interests over that of the consumers by shifting the burden of proof in the claim process.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I asked Mohela back in XXXX about the loan adjustment and forgiveness but no answer. Then on XX/XX/XXXX the following : " Your 12-month period of payments under the Saving on a Valuable Education ( SAVE ) plan is due to expire. The SAVE plan replaced the Revised Pay As You Earn ( REPAYE ) plan. Recertify your income and family size now to renew this plan for another 12-month period. Avoid missing the recertification deadline of XX/XX/XXXX and calculate monthly payments under this plan for another 12-month period. If we do not receive your recertification request in time : Your monthly payment will adjust to approximately {$820.00} '' I sent my recertification via studentaid.gov that same day to be safe. Today I get a message saying " Correspondence Processing Delay, Your recent request has been received. It is expected your pending request will be processed within the next 90. '' However the next 90 days would be in XXXX which is after the deadline of XX/XX/XXXX they mention above. This feels very much like a scam to get excessive money from people because they state " However, if your loan ( s ) are in repayment, payment ( s ) remain due, and if you are participating in Auto Debit, this remains active. '' I want assurance that my payments will not increase to {$820.00} a month after XX/XX/XXXX due to their inability to process documentation in a timely manner as a loan servicer. I submitted the recertification as soon as they notified me. There is no way I can afford to pay {$820.00} a month. That's quite ridiculous.
Consumer complaint received 2024-03-23
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: OneMain Finance Corporation (IN)

Never paid amount to credit card companies, was supposed to pay {$10000.00} to XXXX XXXX  and XXXX but never did asked about it and was told it would be paid after I paid loan off. Paid loan off and money was not sent
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

Today XX/XX/2024 I revieved a call from a wells Fargo phone number ( caller ID stated wells fargo ) the " wells Fargo employee td me a business account was opened yesterday in my name and was deemed suspicious.and All accounts in my name associated with my phone # have been frozen. I do not bank with wells Fargo and knew where this call was headed so I let him continue. I asked him which branch he was calling from and after a 20 second pause, he stated " XXXX XXXX XXXX  '' He continued to explain that there could be an investigation that could lead to criminal charges if not handled promptly. I told him that would be great and I hoped there will be criminal charges.then he hung up. I checked the # that he called from which was the wells Fargo on XXXX and XXXX in XXXX California.
Consumer complaint received 2024-03-28
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. (MD)

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.

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 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 2023-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patient Accounting Service Center (CA)

I Contacted Them So Many Times Because They Were Sending This Bill Saying I Owned Money to XXXX XXXX XXXX when I had my XXXX XXXX XXXX, He Has Medical As Well And They Told Me Last Time I Called To worries That They Will Take Care Of This Charging My Insurance That Way I Didnt Have To Pay now Theyre Sending Me To Collection For No Reason Is Not My Fault Since I told Them That Our Medical Was Active And Provided Them The Number And name Of the Insurance, they lied to me!!
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX, I was in the drive through at XXXX XXXX. I tried to use my Synchrony Master card to complete the purchase. It was declined. I checked my phone and their fraud department had sent me a text messages regarding purchases they flagged for fraud. I responded they were fraud. 
Later I spoke with them, they cancelled the card, and I filed the report for unauthorized purchases. Synchrony advertises a zero fraud liability. They however appear to be operating in bad faith in an attempt to delay, deny, and avoid fulfilling that self proclaimed policy. 
The matter still has not been resolved. On XX/XX/XXXX they issued a letter stating that I had XXXX $ fraud liability and that it may take up to 60 days to resolve this. On XX/XX/XXXX ( more than 60 days later ) they told me they denied the claim because I had received the item ( they provided no proof of this and I had not received the item ). I immediately contacted them again to remind them they had a zero fraud liability. They sent a letter on XX/XX/XXXX again saying I had XXXX $ fraud liability and it may take up to 60 days. On XX/XX/XXXX they again said, without providing proof, that I had received the item. I again immediately contacted them. They sent another letter on XX/XX/XXXX acknowledging my continued resistance to their attempts to make me responsible for a unauthorized purchase. I received a letter in the mail from them asking me to once again write out what I had told them many times before. I returned that letter this morning. 

It seems to be the intention of Synchrony Bank to never implement their benefit of zero fraud liability. It appears as though they are acting in bad faith. Attempting to delay, defer, and deny coverage. XXXXXXXX XXXX XXXX XXXXXXXX is where these charges were made. I would assume that they have employees who are responsible for telling Synchrony that the purchase was valid as far they are concerned. It should be assumed that they will never miss the opportunity to dispute that this was fraud. It should also be assumed that if this pattern of Synchrony bank continues indefinitely it is guaranteed that at some point, I will be on vacation or unavailable in some manner and I miss a deadline set in place by Synchrony and they claim that I am responsible for the charge. This is not the guarantee that they promised. They did not state that a unauthorized charge maybe eternally contested. They stated that I would never be responsible for unauthorized charges
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my deep disappointment with the lack of response to my previous dispute letters sent on [ date or dates ] regarding inaccuracies in my credit report. Despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and respond to consumer disputes in a timely manner, I have yet to receive any acknowledgment or resolution of my concerns.

As outlined in my previous correspondence, I have identified several discrepancies in my credit report that require immediate attention. These inaccuracies have the potential to adversely affect my financial standing and opportunities, which underscores the urgency of addressing them promptly.

I remind you of your responsibility under the FCRA to conduct a thorough investigation into the disputed items on my credit report and to provide me with a written explanation of the results within 30 days of receipt of my dispute letter. Failure to do so not only violates federal law but also undermines the integr
ity and purpose of credit reporting systems designed to ensure accuracy and fairness for consumers.

I hereby request that you expedite the investigation of my disputes and provide me with a comprehensive and transparent resolution at your earliest convenience. Additionally, I expect to receive written confirmation of the actions taken to rectify the inaccuracies in my credit report.

If I do not receive a satisfactory response within the specified timeframe, I will be compelled to explore all available legal avenues to enforce my rights under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

I trust that you will take immediate action to rectify this matter and uphold your obligations under the law. Thank you for your attention to this urgent matter.