davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (CA)

I was contacted on XX/XX/2018 by Alltran Education about a debt I know that I do not owe to the U.S. Department of education. The supposed principal balance is {$3500.00} with an interest of {$35.00} and added fees of {$860.00}, adding up to a total of {$4400.00}. I know that this is a debt that does not exist, however, because when I log into my Federal Student Aid account thing with my FSA ID it is nowhere to be found. Nothing like this has ever happened to me and I have no idea what to do, so please I need help? I know this debt doesn't exist but I'm still scared. They threatened that my debts would be reviewed for Administrative Wage Garnishment and I could have up to 15 % of my wage be withheld by my employer.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX. XXXX contacted Experian via certified mail on or around XXXX XXXX XXXX and XXXX XXXX XXXX  that there are inaccuracies reporting on my credit profile to do with a public record of bankruptcy. I submitted a most recent dispute letter on XX/XX/XXXX to Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX Date of birth : XXXX  SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian : Re : Report # XXXXXXXX XXXX XXXXXXXX Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX Dear Experian : My name is XXXX XXXX XXXX This is a letter to request the reinvestigation of the above Report numbers in reference to the Public Record from a XXXX XXXX Bankruptcy on XXXX I previously disputed this public record and according to the Experian credit Report dated XXXX XXXX XXXX  and XX/XX/XXXX and on the report it is stipulated that the Public Records information is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX. 

The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still in my credit file with Experian, and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. 

This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX. XXXX. 


Experian responded on XX/XX/XXXX that the company that reported the information to Experian is accurate. The item was not changed as a result of their processing of my dispute. As a result of their reinvestigation the dispute is not resolved. According to the updated Experian Consumer Report Public Records Information it is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. I verbally confirmed with XXXX that there is no bankruptcy on record with my consumer report. XXXX provided in writing that there is no bankruptcy reported in section 9 of my consumer records. I contacted Experian to dispute this inaccuracy with verifiable proof and Experian verifies public records through XXXX yet they are violating my rights. This information must be reported 100 % accurately and they are continuing to report this on my credit file. My credit file is supposed to be reported accurately and Experian refuses to correct this on my credit report.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been disputing these accounts for over a year now. Each one of these accounts do not belong to me. Someone took my information and opened up these accounts 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  All of the accounts listed are not my accounts. I have been disputing these accounts for over a year and never got verification.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have XXXX lines of credit with XXXX XXXX, a line of credit with {$550.00}, a line of credit with {$500.00}, and a line of credit with {$1000.00}. 

I am showing many inconsistencies across bureaus that the XXXX credit bureaus are reporting. I have highlighted them to show their violations. Another major issue is these accounts are showing Account not Disputed status. I have disputed these accounts on XX/XX/23, XX/XX/23, XX/XX/23 via mail to the bureaus.
Consumer complaint received 2018-08-31
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. (GA)

I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX  Acct # XXXX ( Experian, XXXX, XXXX ) 2. XXXX XXXX Acct # XXXX ( Experian ) 3. XXXX XXXX XXXX Acct # XXXX ( Experian )
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (IN)

XX/XX/XXXX I found fraudulent charges on my XXXX XXXX when I checked my balance on line. I called XXXX  to dispute the charges. They mailed me paperwork to fill out.

XX/XX/XXXX I received a provisional credit.

XX/XX/XXXX The provisional credit was taken away. When I called they stated that they were still investigating and when the investigation was over they would credit me again if they found the charges to be fraud.

XX/XX/XXXX I received a letter from XXXX stating that their investigation was over and they had determined that the charges were in fact fraud and my provisional credit would now be a permanent credit. I was never given the credit back.

I have called them at least 20 times since then, and have been documenting the dates and who I have spoken to since XX/XX/XXXX. Everytime I call they tell me that they are working on my case, they put in another " ticket '' and there is no time frame for resolution. The amount is {$92.00}.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: M&T BANK CORPORATION (NJ)

My home was in the pre-foreclosure phase and was sold as a regular sale - not a short sale on XX/XX/2023. Leading up to the listing, I requested a payoff so that I could set a good price for the home. When the home was under contract I requested another payoff for the anticipated closing date XX/XX/XXXX. The closing was postponed 5 days beyond the " Payoff Good Thru Date '' on payoff # 2 which was XX/XX/XXXX. Payoff # 3 had a Payoff Good Thru Date of XX/XX/XXXX which was 23 days after my closing. This is a multi-part mortgage payoff refund. Part 1 is the 23 extra days of interest on the mortgage. 

Part 2 is because the Escrow portion of the loan payoff was never pro-rated to just the 4 days I owned the home in the Quarter for the purpose of Real Estate taxes and other Escrow items. The quarter began on XX/XX/2023 and my closing was on XX/XX/2023. I paid for the entire quarter of Escrow but this was too much. 

This was obvious to me even before the closing was completed because the difference between the Escrow portion of payoff figures in # XXXX vs # XXXX were huge despite the home only being owned until XX/XX/2023. If you compare the payoff figures between # XXXX vs. # XXXX vs. # XXXX and take into consideration the amount of time that would impact the increase in payoff dollars, the amounts do not make sense. 

I called M & T bank before the closing and was told it would be reviewed about 2 weeks after the payoff was fully processed. They estimated the payoff would take 2 weeks so the overpayment should have been completed by early XX/XX/2023. 

While I realize there are waiting periods for M & T Bank to respond, I have already sent them a written formal complaint via certified mail on XX/XX/2023. M & T bank has acknowledged receiving that complaint but constantly gives me the runaround indicating that a different department is handling it and then promising to call me back in a few days but never does. 

This is ridiculous. The pro-rating of a payoff is not a difficult process and it is done by banks and title companies many times a day in the course of selling homes and accepting other types of final loan payoffs. 

I have received a small check with no explanation of how the funds were distributed or any accounting for the difference in interest OR escrow. 

I believe that because this home was in pre-foreclosure, the bank and the law firm that reportedly represented them XXXX XXXX XXXX feels they can charge whatever they want without explanation and the homeowner has no recourse. 


M & T Bank
Consumer complaint received 2018-08-30
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: EQUIFAX, INC. (NC)

Equifax refuse to remove an unauthorized hard inquiry that was pulled by XXXX XXXX on XXXX XXXX, i was told by an Equifax respresentive in order for them to remove this inquiry i will need supporting documents, XXXX XXXX has contacted Equifax to remove this inquiry and i am submitting supporting documentations supporting the removal.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CASHCALL, INC. (CA)

From prior case : XXXX : I took a installment loan out from Cash Call in XX/XX/XXXX for {$9900.00}. I made payments totaling {$12000.00}, I fell behind due to sickness and XXXX and tried to work out a plan to which they declined. I could not make the settlement about they requested which was {$20000.00}. The loan was then charged off in XX/XX/XXXX and they requested {$30.00} to close it out. I could not get any to help me with this so I just left it alone and let it sit on my credit report and decided to wait till it falls off. Fast forward to XX/XX/XXXX and I again tried to reach out to the company but they only re aged my account to show a current charge off as of this month leaving me with a credit score that dropped over 70 points and now I have to start all over again to have this account fall off my report. This is clearly in violation of the Fair Credit Reporting Act.

623 ( 5 ) ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after the furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action They have also added wrong amounts, balances and dates to my credit reports that are again in violation.
Consumer complaint received 2024-01-29
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: Sequium Asset Solutions, LLC (TX)

I disputed this case XXXX. The company took it off my credit and it was fine. This past week they have now added it back onto my credit with a different amount as owed. I have had no new reason for anything to be added to all of my credit and this is the same company and they will not even give me a case number or anything else.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I filed bankruptcy on XXXX XXXX XXXX to protect my house and Wells Fargo Bank foreclosed on XXXX XXXX XXXX and even though I filed bankruptcy they did not stop their activity and went ahead and filed foreclosure on the house on XXXX XXXX XXXX. Wells Fargo 's bank Attorney XXXX XXXX XXXX, whose bar number is XXXX, even though I have a cash buyer for the house XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX denies the cash buyer. They denied the cash buyer, this man is very heartless man. He was still going to court during the bankruptcy, filing motions, doing all the stuff that he was was n't supposed to do even though when a bankruptcy file is in process, all activity should stop and he did not stop. The chapter XXXX case number is XXXX. The property address is XXXX XXXX XXXX court, XXXX XXXX, Florida XXXX. I would like to see justice for what wells Fargo bank has done. Wells Fargo bank number is XXXX XXXX XXXX XXXX. My name is XXXX XXXX and XXXX XXXX is my husband who filed the bankruptcy.
Consumer complaint received 2023-11-27
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. (NC)

I sent a certified letter to XXXX XXXX XXXX to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. XXXX did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and Equifax reports. I sent certified letters to both XXXX and Equifax to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .
Consumer complaint received 2024-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (DE)

I sent a deposit to a business via Paypal. During the transfer request Paypal shows a message that " Business will get XXXX ''. However, the business sent me a copy of the transaction and Paypal is charging them a fee. They get less than the promised amount. 

I confirmed that this is not due to any fluctuation in the currency exchange rate.
Consumer complaint received 2023-06-26
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: CITIBANK, N.A. (FL)

I was at a Macys store in XXXX Florida in XXXX and was buying some items. The salesperson asked if I had or wanted a Macys credit card. I said I used to have one. Her response was that they could reinstate the account. I said that is fine as long as it doesnt involve a hard pull on my credit as I did not want my credit pulled. She replied that there would be no pull. I asked her two additional times before agreeing and she said there would be no credit pull or inquiry to reinstate that old account. Later that day I received an alert that Macys pulled my credit, hard inquiry. I did not give permission to do this and called Macy.s credit. After being transferred around I was told that the inquiry would be removed and I would get a deletion letter. It has now been over 90 days and I have received nothing. I have attempted to call them back multiple times, have held as long as 80 minutes until their system disconnected me. I contacted the credit bureaus and they said I had to call Macys. I explained that I have multiple times, so they suggested I reach out to you. I didnt authorize this credit pull and was verbally told 3 times that no hard inquiry would be done. This is an unauthorized pull of my credit and I want it off of my report.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

This was an old credit card that i hav n't had for over 6 years. This account was 4 months over due back in XXXX XXXX i had lost my job and lost my grandmother and could not pay back then but its been pay now for a while. They reported to the bureau that they updated in XXXX XXXX. I dont understand why
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (FL)

We rented an apartment at XXXX XXXX XXXX XXXX XXXX that was damaged by the hurricane in 2017. The windows were broken by a tree which we notified the management was hitting our window, months prior. The management failed to repair the window for almost three months resulting in water damage to the wall, laundry room and carpet. Additionally at move in, as documented in the move in inspection, we reported the carpet, walls and cabinetry to be in a state of disorder. These items were never repaired in any semblance. The garbage disposal unit also was in a state of disrepair and leaked water regularly. This was reported many times and did result in damage to the woodwork of the undersink cabinet. 
Upon move out we discussed this with management of the unit and were noted to not be at fault. Months later we began receiving debt collector calls stating a unpaid debt of {$860.00} that was related to these damages that are the property managers fault. We have contacted the manager on eight separate occasions and were promised that this would be addressed. It never has been addressed.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (PA)

My mortgage was recently transferred from XXXX XXXX XXXX to Freedom Mortgage. While at XXXX we made some additional principal payments which reduced the loan payoff significantly, and at the time of the transfer we had less than 170 payments remaining with a payoff date around XX/XX/year>. The Freedom Mortgage website does not take this into account and shows my payoff as XX/XX/year> and they said that they know its wrong but its just how their website is and they won't fix it. I also can not view the amortization schedule and they want to charge {$10.00} for me to view this information ( which will not even be correct since they don't know when my real payoff date is ). 

When I called, it took over 45 minutes and 4 transfers just to get to the right department who could not help. The website is full of junk ads for their affiliates and this company seems more interested in selling more services instead of servicing existing ones.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I want to describe my constant frustration with trying to pay my bill with a store credit account. 

Most recently I purchased a mattress and needed to use a credit card. I opened an account with them and have had to go through the process of creating my username/password four times- I used a password manager and am incredibly diligent with my information. When finding my account for the fourth time when I went to pay it off, it showed that my account didn't exist. So, I chose to pay the remaining balance as a guest using my account number and it went through. I took a screen shot of the confirmation after the payment. However, I never received ANY confirmation by email that this payment was made on XX/XX/2024 and my remaining balance ( which should be XXXX ). 

Every other financial institution provides confirmation immediately when you've made a payment. The only email I received was that there was an attempt to login into my account- after it showed up that the account didn't exist. This issue has been going on for months. 

At the end of the day I believe that Synchrony is a predatory lending company that makes login and payment process deliberately difficult for the consumer so that they can apply late fees, ultimately destroying a credit record.