davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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: SYNCHRONY FINANCIAL (CA)

This letter is to file a grievance against PayPal Credit c/o Synchrony Bank business practices. 
I had requested an increase in credit from {$250.00} to {$500.00} XX/XX/XXXX, online with PayPal Credit XXXX I was denied increase based on a report that Synchrony Bank or PayPal had sent me, XX/XX/XXXX. The report stated that XXXX scored me at XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that they do not send credit scores to anyone who requests a report. XXXX also mentioned any requests for a report, is given with current dated reports. I requested an increase XX/XX/XXXX. The denial letter was dated XX/XX/XXXX. 
I am very disappointed in PayPal Credit/Synchrony Bank online business practices. I do not understand how I can be denied an increase based on your scoring of XXXX dated XX/XX/XXXX. I have been challenged with identity theft 3 times over the past decade. My most recent attack was in XXXX. I had reported identity theft with Synchrony Bank/PayPal online in XXXX of XXXX at which time I was given a new account. I thank you for securing my account. I am working hard to maintain financial obligations and on increasing my credit score I would have accepted a denial based on current scoring and/or report but I do not accept this denial from XXXX XXXX. I, just like ALL consumers expect a safe, secure and accurate information on your websiteespecially with any online account. I, as a consumer, expect to be provided with accurate and current information online. There is a lot of cyber-attacks and scammers, as well as phishing for consumers identity. With such disappointment, I am filing a grievance against PayPal Credit/ Synchrony Bank with the XXXX XXXX XXXX , Consumers Protection Agency , and Government Online Agencies . It has been, especially, challenging contacting the right department for my grievance. Your website does not accept grievances or complaints. My only resolve is to write to a po box . I do not know if what you do is legal, but I know it is an unfair business practice. I have forwarded a copy of your response letter through to the online authorities with my grievance against PayPal Credit/Synchrony Bank . As a Consumer, I am accountable for my financial obligations. PayPal Credit onlineis accountable for fair business practices to ALL consumers. I do expect a resolution to my grievance. I do expect a response with correct information as to why my increase request was denied.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : XXXX Credit Bureau Inquiry Date of Inquiry XXXX XXXX XX/XX/XXXXXXXX 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 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 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 Equifax Credit Bureau Inquiry Date of InquiryXXXX 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 XXXX
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : XXXX Credit Bureau Inquiry Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-30
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. (MI)

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 account XXXX XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX. 

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 an 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 crime which antedate 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

MOHELA is listing my payment due incorrectly and is not acknowledging federal guidelines. In XX/XX/2023, my loans were managed by XXXX and were ~ {$50.00}. My loans transferred in XXXX and all payment amounts since have been grossly incorrect. Initially I was quoted to pay more than {$4000.00}. My NSDLS file supported the payment amount of ~ {$50.00}. I was notified of this payment less than a week prior to needing to pay. Conversations revealed the payment would have to move forward regardless of action I would take. Request was made to return to the XXXX amount paid the month prior but was told that information would have to be retrieved from XXXX. Account was placed in forbearance but not before i was charged the {$4000.00} payment. The next communication I received was end of XXXX stating my payments were decreased to just over {$1700.00}. Conversations throughout XXXX did not provide information for how the new amount was determined. I was told the return to previous XXXX amount was still being considered during these conversations. It was not until XX/XX/XXXX that someone was able to escalate my request. I was not informed until end of XXXX after calling in several additional times that the request was denied XX/XX/XXXX because I apparently submitted an IDR renewal in XX/XX/2023 prior to transferring to Mohela. This application apparently confirmed the new amount of {$1700.00}. I never submitted that request and based on Studentaid.gov the last IDR application was submitted XXXX reporting a $ XXXX income which would generate a near $ XXXX payment for me on my existing PAYE payment plan given my household size. Throughout this my anniversary date is XXXX of each year which can be confirmed on my initial NSLDS file and so I should be allowed to keep this same payment through the end of this year given COVID recertification protocol outlined on studentaid.gov. Please help me understand why I am an exception to these federal guidelines.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NV)

XXXX  I have to say that since Suntrust and XXXX merged, there is no customer service. What you get when you call is someone at home sending emails for supervisors to call you back, witch dos not happen. Mail that dos not get mailed or recived, " Its the post office " im told. OR Just a pain " I DONT KNOW '' Im the supervisor, I work in a XXXX XXXX, then im working form home " so there is XXXX to fix the issue, " would you like to make a payment??? No service for anything ecept making a payment. 
I have sumitted on more than XXXX time over the past XXXX months a request on paper that is provided by my servicer, so I can pay my homowner insurance on my home like I have in the past ( past serverers ) .they cant find it.. They have dubble paid when I have allready paid for the insurance in full, and they have the proof of covargae, but the " Auto Pay " works even thou im all ready paid in full. 
Last yr they paid for a XXXX  policy when exsisting covarge was on the home at the time they made the payment. 

The paperwork they say they dont have is a Escro waiver for insurance. 
Im not able to contact thet escro dept directly.

Im told it gets revied then uploaded to my account.This never happens. 
They add $ $ to my payment each month for escro that is not needed. 
I filed a complaint with the holder XXXX XXXX and was directed here also. 
The fees added to my monthy bills are unfair and not needed. 
In XXXX  years my loan has been sold XXXX  times? This company TRUIST is the worst. 
I never late on my payments, in fact im a month a head as of now. 
But im now forsed to remove Truist my my accounts untill this is fixed XXXX XXXX XXXX
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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  XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX  XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX ACCOUNT  # XXXX. 

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 an 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 crime which antedate 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I will send the letter regarding the question mentioned below to XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have checked the credit report issued by your company on XX/XX/2023. I would like to ask why you mention unknown regarding the rating of XX/XX/2023 on the XXXX XXXX  XXXX account starting XXXX XXXX. 


Sincerely,
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

Dear Equifax! 
I have asked for you to do a debt validation with XXXX XXXX about account NUMBER XXXX and you send a letter saying this account is verify and belong to me with no proof of verification of me signing a contract or agreement with XXXX. I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between XXXX XXXX and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. With that being said, had XXXX XXXX sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that XXXX XXXX  provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Consumer complaint received 2022-10-30
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: CITIZENS FINANCIAL GROUP, INC. (MA)

We hired a moving company to move our belongings from one apartment to another for a total cost of XXXX dollars. After we moved, paid for the service and tipped generously, we realized our brand new XXXX monitor ( purchased in XXXX for XXXX ) was damaged. We reached out to the company for resolution. They claimed they interviewed the movers and stood by there claim that they didnt damage it during the move. They offers a XXXX dollar credit for smudges on our tvs and new monitor ( same one that was scratched ). They said this was there final offer and we had 24 hrs to accept. We disputed the charge with Citizens Bank ( the credit card we used to pay for the service ), and we were just told it was rejected. We have a receipt for the item and photos showing the damage and handprints from when they picked up and damaged our monitor. We have never filed a dispute, happily paid for the service and tipped prior to realizing the damage, and frankly at a loss that Citizens bank would not back its customer over the word of the company that damaged our property and failed to replace our property.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX, XXXX, Experian Im having a problem with XXXX XXXX XXXX XXXX being reported open and closed on my credit report saying its in good standing then it saying its not. FCRA Act Law everything must be exact across all three credit Bureau im seeing inaccuracies on my credit report. This stopping me from obtaining things in life to better me and family need help fixing this problem.
Consumer complaint received 2021-10-27
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-27
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

For the past several years, I've experienced issues obtaining my free annual credit report from Equifax Information Services LLC. I've only been able to obtain my annual free credit reports from XXXX and XXXX but not Equifax. 

Early XX/XX/2021, I mailed an Annual Credit Report Request Form to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. It was delivered by USPS via Certified Letter on the date of XX/XX/2021. XX/XX/2021, Equifax responded to my request by sending me a letter requesting more information for identity verification purposes. On XX/XX/2021, I mailed the requested identity verification information to Equifax, my response was delivered by USPS via Certified Letter on XX/XX/2021. 

As of XX/XX/2021, I have yet to receive my requested free annual credit report from Equifax. This is my complaint.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-27
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. (LA)

Continuant from my initial claim on XX/XX/2021 Equifax received my letter to delete these these fraudulent accounts immediately and block them as of XX/XX/2021 Equifax has not complied to my request and falsely verified these accounts without any physical proof. this is fraudulent and my second time writing them about this now i demand them to both block and delete these accounts immediately. Ive attached the affidavit of truth as well as the certified mail receipt with the evidence that they are indeed are doing fraud and do not have my consent to furnish anything on my consumer reports, no consent is identity theft
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

The debt that was sold from Best Buy Card Services, financed by CitiBank, to XXXX XXXX XXXX XXXX was {$6300.00}. XXXX XXXX XXXX XXXX is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, XXXX XXXX XXXX refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.