davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

My account with Equifax was frozen after their data was breached in XXXX. 
Have been trying to unfreeze the account without success, as I have been unable to find my password. In order to prove my identity, I must answer questions like : How much was your monthly payment on the car you purchased in XXXX. Even if I was 20 years younger, I would not be able to answer questions like that. There must be a better way, especially for seniors. 
I hav n't found any way to communicate with a live person.
Consumer complaint received 2022-10-27
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. (FL)

Update from case # XXXX : Each time I dispute Experian take points away and make old delinquencies appear current delinquencies Experian updated my report with inaccurate information show I have recent delinquencies 1. XXXX XXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Showing as of XX/XX/XXXX I have a balance of {$650.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 27 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Updated inaccurate Problems as follows : A, Showing as of XX/XX/XXXX I have a balance of {$590.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 26 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Status Inactive. ( This is closed and has been since XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX A. Shows 26 hits of 30 days late CORRECT INFO ( late 6 times XXXX XXXX and XXXX and XX/XX/XXXX Charge off was XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (DC)

My student loan servicer changed from XXXX XXXX to Aidvantage, and I am attempting to apply for the PSLF waiver. I have never missed a payment since I graduated in 2015, but in using the PSLF help tool Aidvantage is reporting zero payments made. I am afraid I am going to miss the PSLF waiver because these companies can't keep their records straight.
Consumer complaint received 2019-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm a victim to online rental scam ( happened through XXXX in US ). The person ( identified herself as XXXX XXXX ) responded to my post and mentioned that she is looking for a rent ( She also sent me a CA driving licence, later point I noticed that it was a FAKE one ). she also mentioned that she will send me a check given by her company and she wanted me to help her by returning her excess money which she referred it for re-location and travel expense. 

I trusted her and after depositing the check ( {$7900.00} ), and the amount got posted to my account. After this, I transferred her back {$3000.00} ( through XXXX as a first installment, in intent to help her- Email id to which the money was sent was XXXX ). But on the same day, the check showed as returned. 

Few days later, I got a mail from bank of America, saying that the check was returned because, it was a blocked/frozen account. After seeing this, I XXXX  and found that it was a HAWAII RENTAL SCAM and raised a claim with bank of America and they mentioned that the target bank was XXXX and they will try to get the money back. but got one more mail during XXXX, that my claim is not approved and they wanted me to contact the scammer to get my money back. 

After few days of this money transfer, the SCAMMER stopped responding to my messages. Now even BOFA is not helping me in recovering my funds. 

Now I don't know how to get my {$3000.00} dollars back. Please help in getting the same. 

I have the email and message conversation of this entire incident with me ( if needed ). 
Please do let me know if more info needed on this regard. 

Thanks in Advance, XXXX XXXX
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (TN)

XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section XXXX : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

This is regarding an existing issue with XXXX Experian and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (WA)

I have contacted all XXXX credit bureaus via phone and mail over the past XXXX years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (VA)

Goodleap is a partner of XXXX XXXX, aka XXXX XXXX. 
We have raised concerns to Goodleap for multiple months about XXXX XXXX and the fact we were not provided the service we were expecting and we paid for. 
Goodleap has never done anything to help and has continued its partnership with XXXX XXXX and. now that XXXX has filled for bankruptcy and we can not get the service we paid for, we asked Goodleap for help and they totally refused to provide any support. 

We signed our contract with XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2021 and the loan automatically started ( {$73000.00} ), the solar system was installed in XX/XX/2021 and, despite the electrical installation had not been performed ( solar panels on the roof only ), GoodLeap started charging us, even though we explained multiple times there was a problem and the loan should not have started. 
Over the next 15 months, we contacted GoodLeap multiple times since our solar installation was not providing near what it was expected to ( less than 20 % of what we were promised ). 

Today, our system is still not performing and GoodLeap is not doing anything to assist, we will therefore have no choice than to stop our payments ( sections XXXX and XXXX of the contract we signed ).
Consumer complaint received 2023-05-12
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. (AL)

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 XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (VA)

Dear Consumer Financial Protection Bureau, I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX. I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) on numerous occasions along with contacting the creditor, XXXX and debt collector- Cavalry Port. To date, I have yet to receive a response from either companies. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

The creditor and debt collector has yet to provide a response to my initial complaint.. However, XXXX, XXXX, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX, XXXX, and XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to CAVALRY PORT via certified mail
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank (PA)

First Progress credit card company of XXXX XXXX, XXXX XXXX. Has denied my request for billing Statements for my secured credit card Acct. An any financial correspondence sent to my billing Address. That request was denied which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a year FIRST PROGRESS never notified me of Acct closure. Nor will they provide me with any letters that they sent notifying me of My ACCT CLOSURE. On or around the XXXX XX/XX/2022, I tried to close my acct which was already closed! So I could get my security deposit back.Customer service agent said it would be a few weeks before refund check would arrive.On XX/XX/2022 I received a FIRST PROGRESS CREDIT CARD in the mail. Called to find out why they sent me a card? They said I requested My Acct to be opened! But As I stated I asked them to CLOSE the acct. Now they refuse to provide me with any correspondence where I asked for them to open my Acct.. Furthermore they want provide no correspondence on any activity on my acct by me or FIRST PROGRESS.. They refuse to show me where I said open up my CLOSED ACCT. They Also deny not knowing what CUSTOMER SERVICE REP MADE CHANGES OR VIEWED MY ACCT ON or around THE XXXX XX/XX/2022. Someone opened up my Acct without my Approval. Now they wont EXPEDITE my refund after my acct has been closed for over a year without any correspondence from First Progress on said matter.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I contacted MBA Law in regards to this collection they are reporting to my credit report. I sent the original debt validation letter on XX/XX/2022. This debt doesn't belong to me please see the attached FTC report and also the original letter sent XX/XX/2022 Please remove this account from my credit report XXXX and XXXX Thank you
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAVE BEEN PROVIDED TO ME, THE CONSUMER. 
XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within XXXX these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/INFORMATION.
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (GA)

This complaint is against PHH Mortgage Services and its parent company, Ocwen Financial Corporation. 

In XX/XX/XXXX, a burst water pipe caused over {$100000.00} of damage to my home. 
My insurance company doesnt pay for all of the damages at once. They release claim funds in chunks. 
PHH Mortgage, as the lienholder, is required to be a party to the claim checks issued by the insurance company. 
For reasons that no one at PHH can explain, they are holding funds that have already been approved and released by the insurance company. 
XXXX XXXX has released 66 % of the funds. PHH has only released 42 % to me. 
PHH will not release any additional funds until my repairs are 80 % completed. 
No one at PHH can explain to me how I will be able to achieve 80 % completion with only 42 % of the money. Their only response is thats our process and we can not deviate from it. Every person I have spoken to says this. 
We have been living without a kitchen since XXXX, and more than 50 % of our main floor was damaged. 
PHH has an endless call center approach to customer service. There is only one number available for discussing insurance claim checks. You can not escape the call center, and they all read from the same script. 
PHHs website only has one toll-free number ( which also goes to a call center ). When I call that number, they transfer me to the same claim call center. 
PHH does not publicly list any names of the management team, or the names of anyone at their company, on their website. It is impossible to locate a reasonable human being that is willing to discuss the issue. 
The one name I could find elsewhere belongs to the CEO. I sent a letter and full documentation to PHH CEO XXXX XXXX on XX/XX/XXXX. He chose not to respond, or to have anyone else respond directly to me. Instead, I received a form letter which said that it will take 30 days to get a response from the claims department. No one in the claims department has the authority to resolve this matter. 
If my own mortgage company wasnt involved, we would have a family Thanksgiving in our own home. Because of PHH, we probably wont even be able to finish repairs before XXXX. It appears that they prefer we live in a damaged home indefinitely. 

PHH apparently only wants to communicate by either a call center outside the US, or by snail mail, which continues to lengthen the amount of time we are living in a damaged home.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of these account is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] collection : XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (LA)

In XXXX of 2022, American Express offered me the option to upgrade my American Express XXXX XXXX to an American Express XXXX XXXX XXXX. The promotion for this upgrade was an award of XXXX Membership Reward Points after spending at least {$2000.00} in 4 months. I met all of the qualifications, and therefore I earned and was awarded the XXXX points on XX/XX/2022. 

I applied for the American Express XXXX XXXX XXXX XXXX and was approved for it on XX/XX/2022. The bonus of XXXX Membership Rewards points required me to spend {$3000.00} in the first XXXX months. I made XXXX eligible charges on the card on the first day I had the virtual card number that totaled to just over that amount, and American Express awarded me XXXX points on XX/XX/2022. 

Today ( XX/XX/2022 ) I tried to transfer the XXXX points I earned from these XXXX cards to XXXX XXXX for a trip my husband and I are taking in XXXX. However, American Express is now holding my points XXXX and are saying they need to review my account. They told me this could take XXXX weeks, which will cause me to lose a lot of money and have to cancel my trip. I would appreciate it if they could release these legitimately earned points for me and my husband to use.
Consumer complaint received 2021-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (KS)

In XXXX I asked for Regions Bank in XXXX to deduct and pay a bill to my landlord until XXXX. 

I was robbed in XXXX of XXXX of my wallet which had my credit cards and debit cards. 

I notified the police and Regions Bank in XXXX and I submitted a police report except one report was not completed. The bank refunded the charge on my card by the crook. 

I need the statements for court but Regions has not responded to my XXXX  letter sent to the headquarters for instructions.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

WFDS is reporting on my credit as a late payment, delinquent account. I would like this to be removed off of my credit report. It is impacting my score and future business endeavors that I see for myself. The credit report is false and It needs to be fixed now! They even sent me overpayment checks back to me! Why would they report on my credit as a negative account with late payments!
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (VA)

I got several calls, all times of the day, weekends etc. For a person who is not me. 
Repeated attempts to let Wells Fargo know I am not that person, but there are still multiple people calling me from Wells Fargo. I dont know how to get them to stop calling, I am not XXXX XXXX.