davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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)

XXXX, XXXX, and Experian is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.
Consumer complaint received 2019-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

I have been receiving incessant phone calls and letters from a company that calls themselves Nationwide Credit , Inc. attempting to collect a debt with no proof or verification of the debt to show that it's even mine. I'm hoping that by filing this complaint this company will stop contacting me or send me verification of this debt.
Consumer complaint received 2019-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX. I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.
Consumer complaint received 2023-01-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Bread Financial Holdings, Inc. (VA)

Comenity Capital Bank, doing business under the name " Bread Savings '' or " Bread Financial '' is not posting the correct amount of interest to my Certificate of Deposit. I opened a XXXX CD on XX/XX/2022, with a deposit of {$100000.00}. As a certificate of deposit, the interest should compound, such that periodic interest payments are added to the principal and subsequent interest is calculated on the new, higher principal balance. Consequently, the interest amount posted to my account should be increasing by the month. But XXXX is not compounding my interest. Instead, the monthly interest actually drops some months. Specifically, the interest posted at the end of XXXX, XXXX, XXXX, XXXX and XX/XX/2022, respectively, was {$200.00}, {$210.00}, {$200.00}, {$210.00}, and {$200.00}. So the interest posted in XXXX interest was lower than XXXX, XXXX, and even XXXX! I am earning less on this deceptive, falsely-advertised deposit product than I would be in a properly-compounding liquid savings account with the same rate. 

I called XXXX to point out this banking error. The customer service representative could not discern the obvious lack of compounding, and said someone else would research it. XXXX has still not corrected the interest on my account. This XXXX CD  is a fraud.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2019-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OH)

My monthly mortgage payment has been scheduled for auto-payment for years. On XX/XX/2019 I logged into my mortgage account at Flagstar Bank , FSB and discovered that auto-payment had been terminated without notice, resulting in late fees and a hit on my credit report. I investigated the issue and discovered that auto-payment was terminated because Flagstar attempted to withdraw funds one day earlier than normal resulting in NSF fees and cancellation of auto-withdrawal, but Flagstar failed to notify me about the cancellation. 

I contacted Flagstar to remedy the issue and they agreed to refund a late-payment fee and re-instate automatic withdrawals. However, on XX/XX/2019 I logged into my Flagstar Mortgage Account and discovered another late mortgage payment and additional late fees. I investigated the issue and discovered that auto-payment was in fact terminated, and despite Flagstar 's previous representations, auto-pay could not be re-instated at that time. Flagstar has refused to refund the additional late payment fee. This sequence of events would not have occurred if Flagstar simply notified its customers of auto-payment cancellation in the first instance. 

I suspect that Flagstar has adopted a practice of cancelling automatic withdrawals without notice to its customers to generate revenue through late fees.
Consumer complaint received 2019-12-13
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: FIRST NATIONAL BANK OF OMAHA (FL)

I have consistently for several years been stating to XXXX  that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!
Consumer complaint received 2021-12-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MD)

I am trying to defer my private loans ( Total = {$73000.00} ) from Sallie Mae until I graduate with my XXXX XXXX XXXX. The application for deferment was faxed to them by the registrar at the school I currently attend on XX/XX/2021. I was " denied '' for this deferment although they never sent me a formal notice saying so until after I contacted them by phone on XX/XX/2021. They said the reason was that I can not defer my loan payments for more than a total of 48 months. When I checked the promissory notes that I signed, no maximum amount of time for an in school deferment period was mentioned. They did, in reference to deferment, however, use some very vague language saying " If we approve your request, we will tell you how long you can postpone payments and whether you have to make any payments in the meantime. '' Nothing about that statement says what the criteria is for the request to be approved. No maximum amount of time for deferment was mentioned anywhere in the document. 

Furthermore, the same section of this promissory note, 2 bullet points below, says " We may also postpone your payments, even if you have not asked us to do so if Student returns to school at least half time. '' The word " may '' here is ambiguous. What are the conditions under which Sallie Mae would do this automatically? They should be listed in the note, but they are not. It is also worth noting that the word " School '' is defined in the document with a capital " S '' to mean " the school identified in the application, '' and is used multiple times in the promissory note WITH the " S '' capitalized to refer to that school. However, at the end of the document, there is a statement without the " s '' capitalized that reads, " This loan does not require payments while you are in school and for a separation period of 6 billing cycles thereafter. '' Since that statement is in the documents that Sallie Mae sent to me, which does not specify which school I need to be in, it should not even be necessary for me to even apply for IN SCHOOL deferment. 

Since they ( 1 ) never sent a copy of the promissory note via mail despite sending a bill for {$0.00} for every month my loan was in deferment, ( 2 ) never sent a formal statement denying my request for deferment until after I called them a month later, and ( 3 ) won't discuss repayment options until 6 days AFTER the DUE DATE of my first payment ; I have a strong suspicion that THEY don't believe what THEY are doing is legal. Had they been at least ethical enough to tell me, unambiguously, the terms of in school deferment IN THE PROMISSORY NOTE that I signed my name on, I would have avoided signing the promissory note and looked for another lender. That way I would not be in a situation where I have to consider relinquishing my dream of becoming a XXXX  to avoid permanently destroying my credit.
Consumer complaint received 2023-01-16
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

PAYPAL CREDIT/SYNCHRONY BANK ALLOWS SCAMMERS TO GET AWAY WITH CRIMINAL ACTS!! I purchased a pair of boots on XX/XX/XXXX in the amount of {$490.00} using Paypal Credit. Seller stops responding same day after receiving payment. Case opened, payment refunded to my account XX/XX/XXXX. Seller provided fake XXXX tracking number XXXX showing item delivered only to my city and zip code, not MY actual address. My name or full address wasn't even listed on the invoice provided. Despite invoice showing major inconsistencies of the item being delivered in an envelope that weighed 0.5 pounds, NO REAL PROOF it was actually delivered to my home and SIGNED FOR BY A RECEPTIONIST, not me, Paypal Credit ruled in favor of the scam seller and added the funds back to my account for payment XX/XX/XXXX. I reopened dispute immediately XX/XX/XXXX as I never received any boots and seller is not responsive. I sent proof of not receiving my item and pointed out all inconsistencies by secured message on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including endless phone calls TO NO AVAIL. ALL THE SCAMMER HAS TO DO IS PROVIDE A TRACKING NUMBER THAT SHOWS DELIVERED AND IT GET 'S RULED IN THEIR FAVOR. BE AWARE! I open a case with XXXX regarding tracking number provided. XXXX CASE XXXX. THANK GOD XXXX was nice enough to provide me with ALL proof needed SHOWING the item was NEVER DELIVERED TO MY HOME. THE PROOF SHOWS all seller information AND RECEIVER 'S FULL NAME, ADDRESS and PHONE NUMBER CLEARLY SHOWING IT WAS NOT ME OR MY ADDRESS!! Actually it was a letter mailed to a bank!!! Not XXXX Boots I ordered! I SENT THIS VALID proof by secured message XX/XX/XXXX and XX/XX/XXXX thinking this would be the end to this nightmare. I also faxed over and mailed with return receipt XX/XX/XXXX for added measure. I was SO proud to have the glaring proof I needed to close this dispute. XXXX invoice showing the inconsistent weight and shipped in envelope. Plus another invoice showing the envelope was signed for by a receptionist by the name of XXXX XXXX which is clearly not my name nor do I have a receptionist at my home. Lastly, the XXXX invoice showing MY NAME PLUS ADDRESS ARE BLANK AND MISSING. How can an item be delivered to my home if this information is missing? XX/XX/XXXX They ruled in favor of the seller again as he provided the same scam tracking number.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (GA)

A payment coupon was accepted by the company and never returned, proof of acceptance of the payment on credit report, the amount was for the whole amount of the car, the car was stolen and no original documents was returned. After another payment coupons was sent back as a copy as the original was probably used again. a notice of dispute was sent by affidavit under code 15 USC 1692 asking the name of original creditor address by way of securitization analysis report only and respond only by affidavit, no affidavit was received no notice to repossession was mailed and a cease to collect the debt did not happen as they stole the car from an apartment complex without permission from the owner of gated community in violation of non consensual tow.
Consumer complaint received 2023-03-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2019 hackers gained access to my bank account and my cell phone account. 
the hackers cancelled my XXXX XXXX XXXX phone number and had that number transferred to a pay as you go phone. This phone number is attached to my Bank of America checking account. when the hackers had control of my phone number and my banking information they requested a wire transfer of {$4400.00} to XXXX XXXX XXXX. I know this because I immediately contacted Bank Of America and told them that I DID NOT authorize this transaction. I asked them repeatedly to stop the wire transfer. I was told that the wire transfer was approved by a " code '' that was texted to my cell phone. I explained to them that Hackers had gained access to my XXXX XXXX XXXX cell phone account and had control of my phone number and that any texts that were sent to my phone number in fact went to the hackers, and not myself. XXXX XXXX XXXX was very helpful on their end in helping me get my account with them fixed and getting my number back the next day. My bill with XXXX XXXX XXXX shows the cancelation on XX/XX/2019 and the the reinstatement on XX/XX/2019. 
the Bank of America claim # is XXXX. My claim was denied twice. This is NOT fair.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (AZ)

I logged on to XXXX XXXX and seen an delinquent account Lewis, Mcdonald & Associates opened XX/XX/2020 for the amount of {$1700.00}. I disputed it XXXXhree times with no results, I also contacted the company and I found out it was a collection agency that collects for several trac phone companies. I have never had a trac phone. I have an account with XXXX XXXX XXXX and account with cricket which is also with XXXX XXXX XXXX and Ive had those accounts for about eight years or so. When I called to inquire about this charge the rep said there were eight other people with the same name as mine XXXX XXXX and they had no other info other than that! I emailed the company on Friday XXXX XXXX in regards to the discrepancy and Im currently waiting for a response. Im reaching out to you now because I was told by a friend in the fraud department at a bank to file with your department so here I am. I hope Im doing things in the right order. I had a sprint bill in default and currently paying that off but this trac phone thing is not my doing. Thank you for listening. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Consumer complaint received 2023-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (MO)

I talked to rise. I was paying on time, but then I've noticed that the interest rates has increased tremendously. They charged me XXXXXXXX XXXX extra for XXXX ... At first they didn't say that. They told me that it would be XXXXXXXX XXXX at the end of my payments... I called to discuss this letter they sent me... So I've had already paid them two times ... And they have on my credit report in owing more than XXXX XXXX. I truly believe that Rise is a scam, and I will like to take them to arbitration... I told them the sole reason for getting the loan was to better my credit... I also told them that they are charging too much for the loan and that it wasn't the amount that I had the first time. I truly believe that Rise has someway of changing the amount due to hacking... I strongly suggest that you guys make an investigation of what I've stated... I can't be the only one. I believe that they are scammers... They made me so upset that I was using profanity... I'm a better man now, but then I didn't have the patience or self control that I needed to just find a better way to handle the situation... Now they on my credit report... I will like for them to be taken off my credit report, because of my assumption of them being scammers and obsessive interest charges...
Consumer complaint received 2022-11-11
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. (PA)

XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was XXXX Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF in accordance with the Fair Credit Reporting act XXXX Account # 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