davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I have contacted the CFPB on the same attempt from another collectiron agency and at that time you were able to resolve the issue and you closed your case as the XXXX agree to remove the item from my credit report. 

Today, XX/XX/21 I received the request for the same amount {$230.00} purportedly from another collection agency. I immediately contacted the agency the same day first spoke to XXXX XXXX that abruptly closed the phone call as soon as she found out I was calling to dispute the amount being requested. I called back and this time a certain XXXX answered my call I told him the the correct amount should be {$79.00} not {$230.00}, XXXX did not even made an attempt to understand my request immediately forcefully requested that I pay the full amount. Stating ; " THIS AMOUNT IS ALREADY UNDER COLLECTION IN XXXX CREDIT REPORT ''. 
I drew his attention to to their letter that states : Unless you notify this office within 30 days after receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will assume this debt is valid ''. 

It is clear that this agency does not even make an attempt to get feed back from the consumer prior to proceeding to report a debt on the credit report. My XXXX XXXX went down from XXXX to XXXX and I assume it will go down ever further once all agencies capture this collection attempt. You can see how much damage these agencies can cause to a consumer. 

Obviously these type of entities, that engage in debt collection, despite the efforts of the CFPB continue, without any controls, to engage in very Unfair Deceptive Acts and Practices. 

I informed XXXX of my intention to contact the CFPB on this matter he did not seem much concerned seems the only concern they have is to abuse consumers.
Consumer complaint received 2023-02-04
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. (NY)

Credit reporting agencies provided my information without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

My payments to my PayPal MasterCard serviced by Synchrony Bank are not being credited towards my available credit. I believe that Synchrony Bank is deliberately hindering my ability to use their MasterCard. After contacting them they did make available the remaining half of one of my payments for {$500.00}. My payment history did not fit their criteria for blocking my available credit : 1. ) Too many payments at once 2. ) A payment larger than normal 3. ) An account that was too new I am the victim of fraudulent practices that are not allowing me to use my MC as it was advertised. I made another payment while I was on the phone with the customer service agent named " XXXX '' for {$500.00}. The exact same thing occurred. Only half of that payment has been credited towards my available credit. 
I have made numerous payments in the same amount. I have spaced out those payments as to not " crowd '' a specific date. I have always paid my bill in full each month. I am being targeted by Synchrony Bank because I have been consistently benefiting from their 2 % cash back MC and have NEVER paid them a penny in interest nor will I. Please don't let them explain this away with algorithmic rhetoric. I understand programming ; let 'd get real. Help me to make this financial persecution stop. Thank you. Card ending XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

I received a credit hit from Convergent Outsourcing inc. on XX/XX/XXXX thats was was unaware of. Convergent is a debt collection agency for XXXX. Ive never had a bill with XXXX or been associated with the address that is attached to the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. The amount they are collecting is {$550.00}. That amount will not be paid from me because I have never in my 24 years of life lived or known of a resident from XXXX XXXX, Louisiana and now Im receiving negative credit hits.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file with the account listed as XXXX Account # XXXX. This account has not been properly validated or verified as belonging to me BEFORE it was placed on my consumer file. There is also no creditor information listed about this allege debt where I can follow up and verify this information myself. How were the consumer agencies able to verify this debt? What documentation was used or who did they speak with that stated this was my debt. There are several inconsistencies within the account which means this account has not been properly validated. 


Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- -- Account Rating : Derogatory Open Derogatory Creditor Type : Miscellaneous Government Federal State Payment Status : XXXX Current Late 120 Days Creditor Remarks : Collection Account Placed for collection Current account/was a collection account, insurance claim or government claim or terminated for default. 

Child/family support Collection account Payment Amount : {$0.00} {$280.00} {$280.00} Last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- 1 -- Past Due Amount : {$280.00} {$0.00} {$280.00} Account Type : Child Support Family Support Child Support ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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 2023-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (KS)

On XX/XX/22, I opened a 24 month Bump Up IRA CD, with Synchrony Bank. On XX/XX/22, I advised the Bank that I wanted to exercise the bump up option. Since then, I have had numerous telephone calls and emails, regarding this matter. They have not addressed my instructions, or responded to my attempts to resolve this matter. When calling the required phone number, you are subjected to long hold times. Promised phone calls, to discuss this matter, have not been forthcoming. 

Anything you can do, to assist in resolving this matter, will be greatly appreciated.
Consumer complaint received 2022-09-29
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. (NY)

XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.
Consumer complaint received 2024-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (PA)

Subject : Formal Complaint Against Tap Tap Transfer Dear Sir/Madam , I am writing to formally lodge a complaint against Tap Tap Transfer , a money transfer service provider, regarding a transaction that I initiated through their mobile application. The details of the transaction are as follows : - **Transaction Date : XXXX/XXXXXXXX  - **Transaction Amount : {$92.00} - **Recipient : XXXX XXXX XXXX XXXX XXXX ID : XXXX Despite initiating the transaction and receiving a confirmation from Tap Tap Transfer, the intended recipient has not received the funds. I contacted Tap Tap Transfer immediately to resolve this issue, but to date, they have refused to take responsibility or provide any satisfactory resolution. Furthermore, they have ceased responding to my emails and have restricted my access to their platform. 

This conduct by Tap Tap Transfer is unacceptable and potentially fraudulent. As a consumer, I believe my rights under U.S. law have been violated. I would like to bring your attention to the following laws that protect consumers transmitting money : 1. **Electronic Fund Transfer Act ( EFTA ) : ** Under the EFTA , consumers are protected against unauthorized transactions and errors. Financial institutions are required to investigate and resolve any reported errors promptly and fairly. Tap Tap Transfer 's failure to respond and restrict my access appears to violate these protections.

2. **Remittance Transfer Rule ( Regulation E ) : ** This rule provides specific protections for consumers who send remittance transfers, including the right to error resolution and cancellation. According to the rule, remittance transfer providers must investigate reported errors and remedy them within 90 days. Tap Tap Transfer 's lack of response and remedial action is in direct violation of this rule.

3. **Federal Trade Commission Act ( FTC Act ) : ** The FTC Act prohibits unfair or deceptive acts or practices in or affecting commerce. Tap Tap Transfer 's refusal to address the issue and their subsequent restriction of my access to their platform constitutes an unfair practice.

Given the above violations, I request that your agency take immediate action to investigate this matter and compel Tap Tap Transfer to : 1. Refund the full transaction amount to me if the recipient can not receive the funds.

2. Provide a detailed explanation of the failure and the steps taken to prevent such issues in the future.

3. Restore my access to their platform and respond to all my previous communications.

Please find attached copies of all relevant correspondence with Tap Tap Transfer, as well as any other supporting documentation.

I appreciate your prompt attention to this serious matter and look forward to your response. If you require any additional information or documentation, please do not hesitate to contact me.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I apparently took out a Parent plus loan in XXXX but never once received ANY notifications, bills, calls or even an email. Then in XXXX they take my tax refund via offset without ANY notification that was about to happen so I could have gotten more information ahead of it. The refund I was getting was to pay the bills I'm behind on and save our house because I'm a single mom with one source of income and I literally just had my heat shut off. That refund was our ONLY hope. After 3 days of searching I FINALLY found the servicer ( because i didnt have any information because they never sent anything ) they informed me I could not received the tax offset hardship refund because my house isnt in foreclosure. THATS THE WHOLE POINT TO STOP THAT FROM HAPPENING. Now it will thanks to Great Lakes. 
I need help NOW before my daughters and I end up in a homeless shelter. This is just wrong!
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I had set up auto pay with Mohela/XXXX , the very first payment was deducted from my account and then returned 3 days after my due date. 
I went online to submit a payment and after submitting I received a message that said " bank account unable to be located. '' So I had my father submit payment from his account. 11 days later I see that they had received 3 payments. One from my father 's bank account, and two from my own. I called to try and figure out why two payments were taken from my account and was told I had authorized a second payment the day after I had my father make a payment. When asked why I would do that if my account was up to date the representative repeated herself saying " you must have authorized it because we did not take two payments ''.

I filed a dispute through my bank and once I did Mohela returned 2 payments to me causing the account to fall behind as the XXXX payment was now due. 
My bank had sent a check to Mohela for my XXXX student loan payment on XX/XX/XXXX, it was set to arrive by XX/XX/XXXX. It was received by Mohela and cashed on XX/XX/XXXX, but not applied to my loan. I called to try and figure out why, they did not know but told me it may have gone to their federal loan department. I asked if they would forward the check to the correct department, they told me no they'd be sending the check back to my bank. So I made a payment online. On XX/XX/XXXX I called again because the check had not been received by my bank. I was told their policy was to hold the funds for XXXX weeks after the check was cashed before issuing a new " refund '' check. XXXX weeks after the check was cashed would have been the XXXX. I informed them of such and the response I got was " yeah we were going to initiate the return but we didn't. '' The supervisor I requested never got on the phone, this was all communicated to me from the customer service representative. Had I known about this level of mismanagement I would never have used MohelaXXXX.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: O&L LAW GROUP, P.L. (FL)

This debt was heard in court in XXXX XXXX XXXX case # XXXX an agreement was satisfied with the plaintiff representative then, that a payment was to be established by the plaintiff legal firm. The plaintiff representatives never got back to me with setting up a payment plan. Now 12 years late with the debt being double because of their own neglect. They are seeking to garnish my wages. I am the head of my head of household. This case is back from XXXX. And I also think the statues have expired 16 years in total. Again the agreement from the hearing in XXXX was neglected by their representatives. I dont feel I am responsible the the amount they are now forcing upon me in pandemic times. Please help me thanks
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020, Bank of America had transferred {$48.00} without my knowledge to my business account XXXX that is currently overdrawn and refused to transfer the money back into my checking account ending in XXXX. This is an unethical practice and I called them ASAP and they refused to put it back in my account.
Consumer complaint received 2022-12-28
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: CITIBANK, N.A. (OR)

on XX/XX/2022, I came to Bestbuy at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I walked in and purchased 4 of {$500.00} XXXX XXXX using my Citi Bestbuy Credit card. On the following day which is XX/XX/2022, I came to XXXX XXXX at XXXX XXXX at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I attempted to purchase XXXX XXXX XXXX  on the releasing date. When the representative scanned my XXXX XXXX, He said my giftcard was marked as fraudulent and it contains suspicious activity, so I have to perform an online order. However, I tried to place order on XXXX website for the XXXX XXXX XXXX XXXX, it showed me authorization failed several times for both 4 giftcards that I purchased. I tried to contact XXXX  at XXXX phone number, they didn't solve my issue at all, all they did on the phone is transferring me between agents. I have done contacting them every single day over 1-2 months and my problem still hasn't solved. Each day, I spent 10 hours contacting them and it makes me frustuated. I attempted to bring the gift card to XXXX store where I purchases for returning, and the refused to take it back. I ended up filling dispute on Citi Bestbuy Creditcard when my brother suggested me. The first time I called in for a dispute was submitted on XX/XX/XXXX, they closed my case without giving me any reasons. I resubmitted the dispute on XX/XX/XXXX, they gave me credit back on my account on XX/XX/XXXX, and they took the money again on XX/XX/XXXX with a reason " No response for dispute ''. I called in bestbuy credit card multiple times, and I didn't get the right agent each time when I contact. they keep forwarding me to bestbuy store agent, and that agent couldn't help with my dispute concern. I really feel frustuated by trying to solve this problem. {$2000.00} is my hard earned money for the XXXX, and I want to get them back that's why I want to submit a complaint on consumer finance.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, is reporting is reproting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Which is false. I have attached a letter from the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 

Transunion is falsely stating this information on my credit report and have yet to remove it from my credit report. I contacted the court, and their response is enclosed. It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate I contacted the court, and their response is enclosed. I would like for you to have them take this unvalidateable information off of my credit report.

The credit bureaus violated my given rghts under 15 U.S. Code 1681. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Displaying information must be deleted immediately.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

i was doing a credit check and saw my score had dropped drastically i followed the instructions and called each company to dispute all the companies did inform me that the mailing address was not my address and the accounts had been opened online i informed them they are not my accounts that someone was using my personal information. XXXX told me to report it to ftc.gov
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.