davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (AZ)

I received notice from the Department of Education that my loans were involved in the XXXX XXXX predatory lending lawsuit. Upon them finding them guilty, my loans were to be discharged. I then received a notice that the loan is now being held by Aidvantage but I shouldnt owe a balance. It still reflects on my credit reports as a negative balance still owed. I cant get anyone to resolve this when Ive called. They want to offer payment plans instead
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023, I had learned through my statements that I was being charged 1.6 % of my balance for " Card Security '' payments that I did not register for. The charges include {$0.00} on XX/XX/2023. {$8.00} on XXXX XXXX. {$4.00} on XX/XX/2023. {$26.00} on XXXX XXXX. {$22.00} on XX/XX/XXXX, XXXX and {$19.00} on XXXX XXXX. My statements do not allow me to see if I was charged before 2023. 

I contacted Synchrony Bank and was told that these payments are for an " XXXX XXXX XXXX '' feature that was added to my account through an automatic server. I asked them to rectify and reimburse the money taken from my account without my knowledge and was told I had to contact the security company directly to attempt to fix these charges. 

Please understand that the issue is not the jumping through hoops and extra inconveniencing phone calls that need to be made to fix this- The problem is that Synchrony Bank XXXX adding optional features to people 's accounts automatically without the contracted user being notified, in hopes they don't recognize it and can continue to be charged for X amount of time ( and yes, I check all of my online messages if I receive XXXX ).
Consumer complaint received 2023-02-24
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. (CA)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

I have asked them to remove the collections on my accounts until they provide me with a validation letter. purchase of debt or assignment of debt and cancellation of debt by original creditor since it is a charge off account. I was not provided with the full list I asked for. please ask them to remove until such time time they provide al l details I asked for. thank you.
Consumer complaint received 2024-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VEROS CREDIT, LLC. (AZ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : VEROS CREDIT, LLC Account Number : XXXX Charge Amount : {$15000.00} Date Opened : XX/XX/year>XXXX  Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

dishonest, sleazy institution. been with this bank for almost a decade. my account always been in good standing. i have a loan, pay my loan on time monthly & accordingly but still not valued as a member. these dudes lied about sending out a letter for my debit card being wrongfully penalized & shut down my mastercard completely by fraud department due to me disputing XXXX and XXXXXXXX XXXX bad business practices with getting money back. So XXXXXXXX XXXX managers act like they sympathize with the poor but at the end of the day, its their protocol & no humanity ever on display. when requesting to talk to someone in a higher position, its all nonsense. i try getting in touch with the fraud department but i'm being played completely.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was involved in an no fault XXXX accident, substantiated minor injuries resulted me going to the hospital. I was assigned a Representative for XXXX XXXX whom I spoken to several times in the past and was informed that all medical bills will be paid thorough XXXX XXXX. I shared that information with all the parties involved with the accident and yet it is still on my credit report. Doctors XXXX service.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (OH)

Hello, Adding to previous complaint. Received letter via mail today ( XX/XX/2023 ) stating that someone has applied for credit card using my demographic including my social security number, previously I received a response that was address to someone other that myself.
Consumer complaint received 2023-02-11
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. (AL)

There are two student loan balances on my credit report and one needs to be deleted because my loans were transferred to XXXX from debt of education aidvantage. The correct one that should be reflected on my account is XXXX the other one needs to be removed because it is providing inaccurate information showing a balance of XXXX when the balance is only XXXX, please remove that other account off my credit report.
Consumer complaint received 2015-11-21
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CT)

XXXX XXXX University returned Student Loan Money to lender after classes were taken, despite this student satisfying credit requirements for fulltime status. They then provided me with a bill that they stated could be paid with student loan funds from future disbursements. XXXX XXXX then stated that this practice is no longer allowed by the government. XXXX XXXX then sent account to collections. Collections service was asked on XXXX XXXX to validate debt and did not do so within 30 days.
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NY)

So i have been javing difficulties paying the loan and they have tried to work with me for a couple months. It all arose from being fired and without work from a job paying me almost XXXX a week + extra income to {$0.00} a week for 2 months until XXXX when i got a job making about XXXX a week... still making that now... anyways i told them i dont have money to pay for anything i can barely live and they keep making the amount lower id have to pay ... .okay i still dont have money ... as the last 3 months have gone i get no less than 5 calls PER DAY 7 days a week. text messages from multiple different numbers and im sure if i checked emails ... this is minnd you is affter i answered calls about a month ago saying i have until XX/XX/XXXX to maek a payment... i said okay ill see hwat i can do ... .then the kept calling harrassing me trying to get payments then and there or trying to post date something hen i explicitly tell them on the calls i hav eno money i go paycheck to paycheck i barely hve {$30.00} a week for food by tthe time my paycheck hits. so again im at work i receie 4 phone calls alone last night XX/XX/XXXX after XXXX during work service. then received messages as well. in total 28 calls since XX/XX/XXXX from one of their phone numbers another phone number 28 during the month of XXXX and XXXX another number 38 times between XX/XX/XXXX XX/XX/XXXX, aother number 5 calls in XXXX phone numbers XXXX XX/XX/XXXX - XX/XX/XXXXXXXX times XXXX XX/XX/XXXX - XX/XX/XXXX times XXXX XX/XX/XXXX - XX/XX/XXXX XXXX am most recent 28 times so far this month 4 times XX/XX/XXXX one at XXXX XXXX after XXXX XXXX XXXX calls XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (UT)

For 10 years I have had all of my personal and business credit cards with Chase. One of my businesses with a partner is closing so I called Chase about that card which had a {$2000.00} balance but has never been late. They offered me a settlement plan for 90 % of the balance, which payments I have made on time according to the schedule. I asked repeatedly if this would affect my other Chase cards, was told it would not, and a week later 3 of my remaining 4 Chase credit cards were closed without notice. 

Upon execution of a settlement agreement the amount owed under the plan supersedes any prior balances and becomes the agreed upon amount that will be paid to Chase, in full satisfaction of the debt. After execution of that agreement a refund was issued to my card by a vendor that had mistakenly charged the card for a subscription. It was refunded to the closed account which I can no longer use and am making payments on. Chase 's position is that the refund applies to the balance, which is greater than the amount I owe anyways, and can not be applied to the payments I'm making to Chase. I've talked to like 10 people at Chase and have been told that " there isn't necessarily documentation '' that says that they get to keep the money, " it's policy. '' I've had multiple other Chase employees say that it's not fair, but after talking to a " supervisor '' that just is what it is. It's only {$50.00}, it's not going to make or break me, but Chase is keeping what I view as my money, no one there can explain around the legal principles I've presented as to why it's actually their money, they just are the ones who have it so are keeping it.
Consumer complaint received 2023-02-24
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)

The credit bureaus are continuing to report inaccurate information on my credit reports. The student loans from DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXXXXXX U S DPT OF ED/XXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF XXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX are reporting opened when these accounts are closed. 

This has caused so much damage to my credit reports and has hindered me from getting approvals. I have disputed these accounts with the credit bureaus XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 AND XX/XX/2022 and they have not conducted a proper investigation. 

Because it is no way that DP OF EDUC, U S DEPT OF ED/XXXX, US DEPT ED, DPT EDXXXX, DOE XXXX would have verified that these accounts are opened when they are closed. 

I am demanding that the following accounts DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX , US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX be deleted from my reports asap due to numerous violations of the FCRA.
Consumer complaint received 2023-02-11
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. (CA)

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts that need to investigate and correct for erroneous reporting in my file are listed on my credit report. 


XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

CFPB closed my previous complaint based on Wells Fargos reply. But the issue was not resolved. The previous case number is:XXXX Wells Fargo failed to provide reasons for POA rejection and requesting more document from my side. I have called the officer provided by Wells Fargo but no one answer the call.
Consumer complaint received 2024-04-03
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. (AZ)

In XXXX of this year, in accordance with the fair credit reporting act, this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-21
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It XXXX Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Phone number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and make necessary corrections to my credit report. I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I am requesting that CFPB investigate how Comenity Bank, the servicer for the retailer XXXX, is assessing interest fees on accounts that have balances that are carried forward into the following billing cycle. 

In XX/XX/2022, I had a balance that carried forward. I subsequently paid the balance in full and Comenity Bank has continued to assess interest charges. 

I paid the balance on my XXXX statement in full and Comenity Bank assessed {$2.00} interest. On XX/XX/XXXX, I paid {$2.00} and for 5 days the balance was XXXX until I used my card for another purchase. Comenity Bank charged me {$2.00} in interest on my XXXX statement despite the last interest fee having been paid and the account having a XXXX balance  for 5 days before another charge was made. Comenity Bank is stating that I can't use my card until the next business cycle or they will continue to assess interest charges. 

This practice is nickel and dimeing consumers.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please remove the accounts that are wrongfully placed under my name baceuse the bureaus not doin nothin bout em no matter how i try to tell them that those accounts are untruthful
Consumer complaint received 2019-03-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I have a second mortgage or " line of credit '' with US Bank for the amount of {$120000.00}. I have had this line since XX/XX/XXXX. It has always been fully used up to pay for the home, and is interest - only payments. I have made those payments for over 15 years on time, for approximately {$500.00} / month with no decrease in the principal. 

My payments were always on auto-pay through my bank account at XXXX. However, those payments stopped without my realizing it, and US Bank had me on e-notifications, and I was therefore, unaware of the failure to pay. I did log on to my US Bank account online, and noticed that my Line of Credit no  longer appeared there. I called, and asked them what I owe, what was going on, and they couldn't explain it or fix it. 

I received a letter on XX/XX/XXXX that is dated XX/XX/XXXX ( sent certified, return receipt but the card on the letter was still attached and I did not receive it by mail until last week ). This letter says that I am delinquent by {$3400.00}. I called the number the next day, and was told that in order to " reinstate '' my loan I had to provide to US Bank branch {$7600.00} in cash by XXXX. It was XXXX when I received this information. The US Bank person told me that this was my only option or my house is being foreclosed upon! I have had ZERO notice. And no possibility to even get the cash there that quickly. 

I then called back the next day and after 75 minutes and being transferred to 5 different divisions at US Bank I was told absolutely nothing about the status of my account, what I owe, if they are foreclosing, nothing. And I am still unable to see anything online. My complaint is lack of notice, lack of ability to get information, and generally total fear of what they are going to do to me. My mortgage on my first loan is up to date, and not in arrears.