davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TN)

Around the XXXX of XXXX and XXXX of XXXX, I started trying to find out date balance was due on a medical charge. I was unable to call co as no phone number was on statement, only an address one was to submit an inquiry to. I began to write a letter but in meantime a {$4000.00} plus amount showed up on my XXXX statement as an interest charge. I immediately wrote the letter to address this. I finally got a phone # from my banker and called to see how to resolve this. No real answer given but to wait for response to letter. I heard nor received a response other than a text or emai that my letter had been received and was being reviewed. I called XXXX more times with no real response even when passed to acct mgr. I then wrote a second letter, on XX/XX/XXXX which is attached and included a check for remaining bal. Of {$4000.00}. The last time I called was XX/XX/XXXX and was told to call back XX/XX/XXXX for an answer. I called back on that date and was then told it would be up to 60 days before I got response, even though they had supposedly been reviewing my inquiry since they got first letter in XXXX. I then asked that they suspend monthly payments till I got an answer and was told no. This was from above customer service managers. This co. Obviously is intentionally not resolving this dispute, in hopes that I will just continue making payments or simply give up and pay it. The card is Care Credit/synchrony Bank . Any help you can give me will be much appreciated.
Consumer complaint received 2023-10-20
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. (NY)

I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the anxiety and stress of being a victim of identity theft. 

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in. 

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right. 

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I noticed errors on my credit report regarding two accounts XXXX XXXX and XXXX XXXX XXXX. These two accounts were settled at a negotiated amount agreed by the creditors. Payments were submitted as per their schedule and I have proof of payments made to both creditors. Unfortunately I was not happy with the balance still showing on these two accounts so I submitted the dispute to all 3 credit bureaus. Results came back and " account information was verified '' without making the balance corrections. 
Not pleased on XX/XX/XXXX and XX/XX/XXXX of XXXX I re submitted disputes and results came back with the same " account information was verified '' Please help me correct this errors, there should be no balance reflected on this accounts since they were paid/settled. There are no remarks that the accounts were settled for less than the full balance.
Consumer complaint received 2023-04-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX XXXX EQUIFAX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.
Consumer complaint received 2018-05-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IA)

I'm a customer of Wells Fargo Mortgage ( WFM ). I make twice monthly payments through an automated withdrawal from my checking account. I used to make once monthly payments but then switched to twice monthly. Though I make payments of that periodicity, WFM chooses not to apply the payments to my account more than once a month. WFM holds the intermediate payment, and ( 1 ) pays no interest that I can tell, plus ( 2 ) doesn't reduce my interest for the period due to the intermediate payment, until it makes a once a month application to my balance. Wells Fargo didn't tell me it would only credit my account once monthly when I changed. I brought this to WFM 's attention years ago, telling them the process didn't seem fair because it seemed to me I was paying more interest than I ought to and as a result ( 1 ) my remaining principal amount is too high and ( 2 ) the mortgage 's effective annual interest rate was mis-stated. I did not to my knowledge receive an amended fair credit act statement when I changed the payment periodicity. WFM was not persuaded by my points, obviously.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

About 6 months ago I received an alert that my credit was accessed by a company called  XXXX   XXXX . I had never heard of them before and i did not initiate any business with them so i called the bureaus to have the fraudulent inquiry removed from my credit. I also found the company online and saw there were no such banks in my area, I live in CA. I had been a victim of Identity theft in the past so i updated the police report to show the inquiry.     In  XXXX  of  2017 , i noticed another inquiry on my Equifax credit report and a account. I was told i needed to file a police report with the account number. I did and the account was removed in  XXXX . Now the account has been re inserted to my credit as well as another inquiry from another company. I thought i had a freeze on my credit and apparently that is not the case.     Remove Fraudulent Account  XXXX  Remove Inquires  XXXX   XXXX   XXXX   XXXX / XXXX / 2017  / XXXX /17
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint to CAPITAL ONE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-10-20
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: Aqua Finance, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-20
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. (TX)

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

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX/ Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

ive been trying to retrieve my credit report from experian and also using XXXX which i pay monthly for now im getting a message after removing stuff off my account that wasnt me its saying " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' last update was the XXXX on the XXXX website it itshowing up blank as no report at all nothing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/19XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (TX)

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

1. XXXX / Account # : XXXX has violated my rights. 

2. XXXX XXXX / Account # : XXXX has violated my rights. 

3. XXXX XXXX Account # : XXXX has violated my rights. 

4. XXXX XXXX / Account # : XXXX has violated my rights. 

5. XXXX XXXX / Account # : XXXX has violated my rights. 

6. XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Wrong Name And Adresses. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently requested all XXXX of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, Experian reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to XXXX Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru Experian it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Greetings from XXXX. 

{$8200.00} deducted from my Bank of America Account ( XXXX ) onXX/XX/2023 without my consent, Matter escalated to Bank of America and they said they can not do anything about it despite transaction was in process. 

Feel free to contact me at XXXX XXXX XXXX XXXX Thanks
Consumer complaint received 2021-08-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. & I have been waiting passed 40 days for a written response ( section 609 Fcra ). I ask that you remove these accounts now.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Hi, as information on when payments would need to begin on the student loans associated with my XXXX XXXX at XXXX XXXX XXXXXXXX   came in, I tired to log in to my account, and I could access the information from my XXXX XXXX loans, but when I followed the instructions on trying setting up a new account to access information on my more recent loans, it said that the information was not available and that I had to wait for a new website to be created. I checked back on this in XXXX and reset my password, and still could not gain access. Now it appears there is a new website, but when I attempt to log in it requires two factor authentication. When I provide that authentication, it cycles me back to the original login page, so I just keep repeating the process. 

This would be the second time that Nelnet has refused to allow me to make payments, and the first time dropped my credit score by over XXXX  points for the seven year period it took for them to drop off, and they refused to work with me on retracting credit filings despite full repayment as soon as the issue was discovered. Nelnet also seems to be obscuring the amounts paid and required. The functional operation of this company makes it clear that they attempt to keep simple, straightforward information opaque so that they can fraudulently capitalize on late fees, additional interest or just inflated amounts owed by borrowers. It is incredible to me that they are still in operation, this company is supposed to be facilitating higher education and the betterment of people 's situation but they are so incompetent that they either can't figure out how to provide access to basic information for the loans they are servicing, or they are so corrupt they intentionally keep it hidden. Their customer services is a joke too, they have broken systems and require busy people to wait hours on the phone for a customer service representative that can not actually fix their issue. I still haven't even been able to update my phone number.
Consumer complaint received 2023-10-20
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. (TX)

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

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX/ Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (CT)

I am addressing a matter of significant concern regarding willful non compliance and the resultant civil liability stemming from actions on behalf of of XXXX. CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE 15 U.S.C. 1681 ( n ). 

I have submitted 3 written request with Forms 3800 and 3811 attached.Filed Complaints with the CFPB, FTC, & XXXX  and still no resolution. Please see attachments, copies of documentation and evidence supporting my claims. 

As of XX/XX/XXXX these accounts which I demanded to be deleted, as well as copies of the documents XXXX used to verify these accounts per my request. 

The company said they have reinvestigated these accounts, but all they have done is parroted information given to them by other sources. I asked if I gave XXXX written instructions? They ignored my request. I asked that XXXX provide me with the name of the person who verified the accuracy of these accounts, they ignored my request. I have the right to demand all documents that XXXX has recorded and retired in your file. 

The company has reached the 30 day mark, therefore they must delete these accounts from my credit report. A written letter was sent XX/XX/XXXX for Inaccurate Personal Information, and Inaccurate accounts Reporting USPS # XXXX. XX/XX/XXXX a written letter was sent for Unauthorized Credit Inquires on my consumer report USPS CM #. A second written request was on XX/XX/XXXX USPS CM # XXXX. A third written request was on XX/XX/XXXX Refusal to conduct proper investigation 15 U.S.C. 1681 ( n ) USPS CM # XXXX. 

I AM PROMISED ACCURACY IN MY CONSUMER REPORT BASED ON FEDERAL LAW. I AM MAKING THIS CALL AS ANOTHER ATTEMPT TO HAVE THESE ERRORS CORRECTED ON MY CONSUMER REPORT UNDER 15 USC 1681. ALL UNVERIFIED INFORMATION MUST BE PROMPTLY REMOVED.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I received the feedback from california business bureau in and they said that I have to submit them a proof that I paid my bill at the XXXX  XXXX and They said I need to submit a proof of that which is impossible because I already paid my bill at the XXXX XXXXXXXX 7 years ago. I don't know why the XXXX XXXX  sent me a bill on XX/XX/XXXX claiming that I owe them on XXXX. I received another letter from california business bureau stating that I have a debt at XXXX XXXX and they are charging me a different amount. I already paid my bills at the XXXX XXXXXXXX 7 years ago, so the amount that they are charging me is not my debt.
Consumer complaint received 2023-05-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent investigation letters to experian and XXXX on XX/XX/2023 in regards to inaccurate information reporting on my profile all letters were sent certified mail I also requested their method of verification giving names and contacts of everyone they spoke with to verify any accounts on my reports I further explained in my letters that I do not consent to the e-Oscar method of reporting that the bureaus use to so called investigate which is totally illegal as of this date of submission of this complaint XX/XX/2023 I have received no response from the bureaus Im requesting the intervention of the cfpb to force these bureaus to get in compliance with the law and remove any item reporting inaccurately and unverifiable according to my rights as a consumer.