davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. SYNCB CARE CREDIT I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I have paid XXXX  towards my student loan. The payments made in XXXX and XXXX of 2021 have never been applied to my account. Therefore I asked that they be refunded to me. It's been over 6 months of making my last payment and they have not returned my money or applied it to the account. I have names, emails, constant calls, recordings and so much information that my next steps after this if there is no resolution is to file a small claims motion and sue them for the money. They continue to lie to me and the CFPB. Checks were never issued nor mailed. New checks have never been issued or mailed. I've spoken to pod leaders, accounting and on and on. I do not care about loan forgiveness, I don't care about some XXXX response about covid. If the CFPB also can not get resolution they will be named in my motion filing in court. Nelnet is not in compliance with the SEC and SOX regulations either by withholding funds, not providing me statements and evidence showing payments made in my account as well. I will also file a complaint for those which there is recourse for. Nelnet owes me this money or they MUST apply it to the account within 5 business days. This is a legal notice.
Consumer complaint received 2023-06-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Consumer complaint received 2022-12-29
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)

Account Name XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-06-05
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. (NM)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-06-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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)

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/XXXX I sent a email asking Amerihome to up date my new lower tax bill. They replied and said, I would need to wait for analysis in XX/XX/XXXX. Analysis came back with a check, but the numbers were still wrong! They've paid the lower yearly amount of {$1500.00} twice!! I called and asked for a analysis re in- valuation on XXXX spoke to XXXX XXXX Then I spoke to XXXX XXXX I also wrote on the web site. They have been removed ... But my recent messages dates are XXXX XXXX and today XXXX Even with showing them the bill they still insist that my tax bill is {$5500.00}. When in fact it's {$3000.00} Which can lower my mortgage about by {$200.00}. a month. They need help calculating my monthly escrow! Please help me! In a couple of months, I'll be XXXX, I'm XXXX with a fix income! I think their trying to make me lose my home! ... Somebody in there department has dropped the ball and has not up dated their end!
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IN)

I attempted to make the payment over the phone twice with debit card and was told both times that i had to use a checking account number ( which i dont have checks so I didnt have that info ) finally I contacted my bank and got my account and routing numbers and made a payment on the phone. 
A few weeks go by and i get a statement that say i owe {$640.00} minimum payment and Im late so i call in and come to find out they wrote my bank account info down wrong and so after i was credited for the payment they uncredited it which put me behind without my knowledge. They, at that point, took payment on my debit card stating since you are behind we are allowed to take a debit card Ive tried since with no luck to pay with my debit card being told you are current so we cant take debit card Ive since, with the help of a family member set up auto pay online so they cant pull that on me again.
Consumer complaint received 2023-06-05
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. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, IXXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX Court : USDIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired onXXXX XXXX, XXXX, XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

XX/XX/ I lived In XXXX XXXX XXXX During covid, during that time they changed owners three four times. During those times they stopped fixing everything they had no pest control let trash pile up and every time it was a new owner, they kept claiming people owed amounts that they did not. So, we were trying to do a community lawsuit, so I stopped paying rent. I had a leak in my apartment for months, my bathtub rusted the only thing they did was spray paint the wall to cover up the leaking down the wall, and spray painted the bathtub to cover up rust and got spray paint all over the wall, the employees in the office was stealing packages. We complained to state and I filed an answer in court but when I moved I wasn't aware of the court date. Now they created false charges for things they never did they never did the only amount I owe them no where near XXXX dollars they are creating fake charges I have pictures to prove and emails. It was horrible
Consumer complaint received 2022-12-29
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. (MD)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Good afternoon! I made a money transfer on XX/XX/2023 in the amount of {$50000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.
Consumer complaint received 2020-05-10
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. (FL)

I have written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to Equifax within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both XXXX and Equifax that a collection account, XXXX was not mine. XXXX closed the account and Equifax still has the account open. There is no reason why this account should be on my credit reports.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally raise my concerns and file a complaint about a recent issue I encountered with my credit score as reported by the credit bureau, TransUnion. 

Recently, I took the decision to lower the balance on XXXX of my credit cards, a responsible financial decision that should typically be seen as a positive action indicating good credit behavior. However, to my surprise, this led to a drastic and inexplicable drop in my credit score as reported by this agency. It appears that an action aimed at reducing my debt and improving my financial situation has been misconstrued and, rather inexplicably, punished. 

I am finding it difficult to understand the logic behind penalizing a consumer for decreasing their level of indebtedness. This counterintuitive action on Transunion 's part fuels my suspicions about potential predatory practices, as it appears to incentivize maintaining high balances and, as a result, paying high-interest rates - a situation that, I believe, benefits the credit card companies at the expense of the consumer. 

This circumstance brings to mind questions about the fairness and transparency of the scoring models used, and whether there are elements within these models that could perpetuate a cycle of debt and high interest rates, contrary to what one would expect from an organization that should foster responsible financial habits.
Consumer complaint received 2023-05-31
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. (NY)

XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX Case : XXXX XX/XX/2023 To Whom It May Concern : This is in response to your letter dated XX/XX/2023. 

As stated prior, your public records are inaccurate. The addresses listed are not valid or on my credit file, and it appears XXXX XXXX XXXX, XXXX is not even a valid address to receive mail. Therefore I do not believe you have not had mail returned. 

I have repeatedly asked you to very your public record or else I will assume you can not prove this debt. And therefore, it should be removed. 

I would like a definition of public records and also verified with regards to my social security number and date of birth, both of which you do not list in your correspondence. 

I hear no thorough vetting on your online application, and anyone could have used your invalid public information. Further, my social security number has been compromised and I was the victim of identity theft, and have been attempting to rectify this for years. You were informed from CFPB and multiple FTC reports and police reports you choose to ignore. There were two other accounts that appeared from XXXX XXXX as well, which you did remove. None of the details were any different, so I dont know why you continue insist this one is valid. 

I was the above requests answered and the account removed from my credit file. 

Regards, XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (DC)

I contacted chase credit card services on XX/XX/2023 regarding an issue with misadvertised XXXXXXXX XXXX XXXX reimbursements. During that call I used a hearing assisted device due to my documented hearing loss. The agent told me several times that I could not use a recording device on the call since I sounded far away despite my assuring her that I was only using a device to assist with my hearing. Chase then refused to fix my issue. I called back to make a complaint about the blatant discrimination and was told it was being handled as the highest priority. despite several calls back though I have still not received a resolution and it's been almost a month.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NC)

XXXX months ago overdraft fees and had a problem with my account where a charge of XXXX was charged to my account. That I did not do. Caused my account to overdraft and they would not investigate to return my funds.