davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (IL)

According to FCRA LAWS 15 U.S CODE & 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

I have a consumer 's credit card offered by Synchrony Bank for XXXX. They constantly lower my credit limit adversely affecting my credit score. I have never missed a cc payment in XXXX  years with any company. Synchrony Bank did this to me with XXXX other accounts, in fact, closed XXXX account but they still charge me interest on an account they chose to close. 
I spoke with them about this but they just refer you to the terms and agreement. they do damage my credit score for no reason. How is this legal? According to social media, they have a long history of jacking customers around. Something must be done.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

This complaint is actually associated with my other complaint against XXXX. My XXXX  account and Cashapp account were connected. Unauthorized transactions were made via Cashapp using funds from my XXXX account. I have made three disputes and all have been rejected. When asked to provide documents of their investigation, all I am provided with is a graph of dates and times these transactions were made. Another reason they gave me is that they said I authorized or gave someone else authorization to make these transactions which is completely false. If I did one of these things then why would I dispute these transactions? I just believe this unfair and I just want my money back.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Subject : Complaint Against XXXX XXXX XXXX for Violation of Consumer Rights and Incorrect Account Status Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. On [ Insert Date ], I noticed that XXXX XXXX XXXX has reported the aforementioned account on my credit report, indicating that it is not in accordance with my understanding of the terms of our agreement. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that XXXX XXXX XXXX promptly rectify this misrepresentation and update the account status to " PAID AS AGREED, '' as it accurately reflects the terms of our agreement. Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of XXXX XXXX XXXX have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold XXXX XXXX XXXX accountable for any violations of my consumer rights. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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. (KY)

There is a collection account on my EQUIFAX, XXXX, & XXXX XXXX reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/23, I received a text message from a person saying that they were Wells Fargo bank and to confirm if there was a transition via XXXX for {$3500.00} from my account at XXXX XXXX. I replied no. I then received a text message telling me that XXXX of the representatives will be contacting me shorty. I then received a phone call from the number that is on the back of my Wells Fargo debit card thinking it was Wells Fargo calling about the fraud at XXXX. The person identified themselves as XXXX XXXX and a fraud specialist with Wells Fargo bank. The person had me confirm the amount in my accounts and the last couple of transitions. They informed me that someone was trying to use my XXXX to transfer {$3500.00} to a person in XXXX GA. I indicated that it was not me. They said to stop the transition that I would need to send {$3500.00} to a person that works for XXXX by the name of XXXX XXXX to ensure that the account is working and they can block charges for that amount. They put me on hold ( with hold music ) for a couple minutes saying they were connecting with a XXXX representative now. They returned and said that I will receive a request from the representative to send the amount and this will stop the fraudulent transaction. They said if I did not send the amount through this process it they may not be able to stop the transaction therefore I will be losing the money and I may be locked out of the account. Once I have sent the money, it would be returned to my account in 24 to 48 hours. After I sent the money, I was put on hold again to confirm the process. When they came back, they said there was an error and I needed to send it again. I said I was unable to do that at the moment. I asked for a reference number and they gave me the number XXXX. They then said they would call me back around the same time tomorrow to confirm where we are in the process. 

Once I huge up with them, I called the number on the back of my debit card directly and was sent to the online fraud department. While reporting what happened, the spoofed number tried to call me twice. I reported the incident to Wells Fargo and the case number is XXXX. Filed a police report online, case number XXXX. They also attempted to call me again from the spoofed number on XX/XX/23 at XXXX XXXX. I called Wells Fargo to add the additional information like my police report number they told me they closed my claim as there was no bank error and sent the claim to XXXX. The XXXX case number is XXXX. I was never informed by Wells Fargo that the claim was closed on their end until I made the phone call.
Consumer complaint received 2023-05-25
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to XXXX XXXX. My only social security number XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts/accounts impacting my credit : XXXX  XXXX XXXX {$360.00} XX/XX/2022 XXXX XXXX XXXX XXXX {$270.00} XX/XX/2022
Consumer complaint received 2023-05-25
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. (NC)

This complaint is for EQUIFAX, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc dated XXXX XXXX. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-05-25
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. (GA)

CREDIT REPORT INQUIRY REMOVAL I have written this letter to dispute a Credit Inquiry that is falsely listed on my credit reports. 

Company Inquiry Reported To : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed. I have already submitted a request for removal to the company directly more than 30 days ago, and the Inquiry is still being reported on all three of my current Bureau Credit Reports. 

This is my official request to have the aforementioned item to be deleted off my consumer report.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (OH)

I am a living being, I have rights and Experian violated my rights numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-07-04
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. (NC)

THERE IS 8 HARD INQUIRIES I NEVER AUTHORIZED AND I AM NOT AWARE OF THIS COMPANIES I HAVE DONE MY RESEARCH AND HAVE REACH OUT TO THIS COMPANY. I KNOW WHEN I SEE WHAT ARE MY INQUIRIES AND WHAT ARE NOT MY INQUIRIES. I WANT THIS TO BE REMOVED ON MY EQUIFAX ASAP.
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-05-25
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. (IL)

XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score
Consumer complaint received 2023-05-25
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. (GA)

( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. 

Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have reached out to all 3 consumer credit bureaus ( XXXX, Transunion, and XXXX ) on multiple occasions because of inaccurate information reporting on my reports. On XX/XX/2021 I sent a certified letter to each bureau asking them to remove the bankruptcy that they are reporting. They are in violation as they are showing different filings dates and incomplete names for the courts that they state the bankruptcy was filed in. XXXX even has the court listed as " Federal ''. 
My request went ignored and my reports did not have an " in dispute '' comment. I have also notified each of the 3 mentioned bureaus via a dispute on XXXX XXXX as a last attempt for them to remedy this.
Consumer complaint received 2024-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Solutions, Inc (NJ)

I contacted the company on XX/XX/XXXX through the link provided on the written debt collection notice, received XX/XX/XXXX, which gave an ultimatum of XX/XX/XXXX for writing back to them. I requested to know what services accrued this debt, and why I had never been billed for a debt from XXXX until now, when the collection agency contacted me. I was never contacted back and when I called five times ( three times to the number provided on the letter and twice to different numbers I found on the internet ) I was hung up on each time after a message saying my call was very important and the next representative would answer it. It is the XXXX and I have not successfully gotten a response from this company. I am concerned about my credit score especially, and whether this debt is legitimate.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (TX)

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 XXXXXXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX,, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

I received the student loan forgiveness email in both XXXX and XXXX. EdFinancial not only cleared the $ XXXX that i still owed but added an addiional {$5200.00} to my principal. They then XXXX  out my total. However the XXXX was money i had already paid and they stated they were overpayments that my loans should have been forgiven already. Per EdF the US treasury was supposed to cut me a refund check for the XXXX. This activity was applied to my student loans in XXXX of XXXX. At this time i have still not received the refund check and we have no process to follow up on the check. I dont know if it was mailed to an incorrect address and or if it was fraudulently cashed. Please assist in finding out where my check is or who should be refunding me the money. 

Thank you XXXX XXXX
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (DC)

Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than 20 years old. I have been trying to have my loans forgiven per the Biden Loan forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}
Consumer complaint received 2023-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Company is the worst company I have ever worked with. I provided my insurance multiple times, the keeps saying that I don't have insurance, and are now not applying my payments and charging late fees. I keep asking them to transfer my loan since they purchased it and have messed it up ever since. I would have never done a loan with them. Now they're saying my loan is in default, yet I have proof I have paid every payment and am not behind. They're just trying to scam me and charge bogus fees.
Consumer complaint received 2018-07-30
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: EQUIFAX, INC. (NJ)

no response to my correspondence of XX/XX/2018 I have no knowledge of ever having a credit card with this bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX.Th ebank has my account charged off for {$150.00} No account # is listed on teh credit report