davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.

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 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CO)

I have a XXXX XXXX from Synchrony Bank. When you spend money at XXXX, the card benefits you by giving you 4 % back in XXXX XXXX, which you can then apply to your XXXX XXXX bill. I have been using the card since XX/XX/XXXX and only put my XXXX XXXX charges on this card. I have never received any XXXX Dollars, which is stated as a benefit of this card. I spent an hour with XXXX XXXX, and they sent me to XXXX in XXXX. The associate told me there was an error, and they fixed it. It is not XX/XX/XXXX, and I still do not have XXXX Dollars. I contacted Synchrony Bank again and was told that " their system is down. '' I am filing a complaint because I would like these XXXX Dollars, as advertised as a benefit of the card membership ; I have contacted now XXXX different times ( XXXX and twice Synchrony ) and have had XXXX resolution.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

This is the second time Comenity bank has taken too long to process a payment that was sent to them with more than sufficient time to be processed before it became overdue. Their representatives all give the same excuses, but no helpfulness. XXXX took over my credit card account from XXXX XXXX XXXX and I have had nothing but trouble since, from setting up automatic payments to having payments processed in a timely fashion. When the exact same problem occurs more than one time that is two times too many. The delay in processing of course generates interest charges in their favor of course. The latest problem is XXXX  XXXX XXXX sending XXXX a check on XX/XX/2023 and it is now XX/XX/2023 and it has not processed. I checked with Bank XXXX XXXX, the XXXX account number on the check was correct, it was sent to the correct address and the amount was correct.
Consumer complaint received 2023-03-06
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)

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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY (NC)

I have received a hard inquiry under the vendor TD XXXX XXXX XXXX, on XX/XX/2023. This has not been initiated by me and I do not recognize this vendor to begin with.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

In XXXX of sometime, I had my ex girlfriend my account number and login. She changed my password without asking. I found that my ex ( XXXX XXXX ) and my cousin ( XXXX XXXX ). Had been sending money to my account and changing my password. To hack my account! They sent {$1000.00} to my account sometime in XXXX. I never realized that the account they have set up to send the money was a fraud to rob me of money. In XXXX they sent me {$1000.00} to send back to them from XXXX. The bank and I set the transaction as fraud, sometime in XXXX. I have had sent the only {$1000.00} to my account to send to there account in XXXX XXXX. The {$1000.00} went threw, and the bank had overdrawn my account from the XXXX payment that was two separate {$1000.00} transactions, that the total of {$2000.00} was never in my account and was set as fraud In my account was withdrawn from my account of a total of {$2000.00} from the XXXX transaction that was withdrawn of an overdraw of the {$2000.00} from my account that was already marked as fraud was still withdrawn. No other bank ever or can withdraw any money that is not there at all, can withdraw any money from an account. There names are and we're not on my account.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (KS)

I sent a payment to pay the balance in full for the month in the amount of {$1100.00}. Wells Fargo only credited {$410.00}. They posted the receipt the incorrect amount on XXXX/XXXX/23. My bank paid the full amount of the check to Wells Fargo which was drawn the {$1100.00} from my bank on the same date. I have contacted Wells Fargo numerous times over the last 30 days to no avail. I have had to write a check to pay the most recent statement in full although the amount of that statement has yet to be adjusted for the credit due to Wells Fargo 's misapplication of the previous payment. Wells Fargo 's last position is that it would take them another 30 days to " investigate ''. It is time that a higher source intervene in this issue.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (MA)

Hello During XXXX, I obtained a money order in the amount of {$500.00}, there was not a fee to obtain the money order. I subsequently lost the receipt that comes with the money order and inadvertently made the order out to the wrong person. I tried to correct that error by drawing a line through the payee portion and write in the correct payee. I was told that because of this, the order was not any good. I then tried to return the order for a new one or get my money back. I was told that because I did not have the receipt I could not get my money back. I still have the money order in my possession and would just like to get my money back minus the stop payment fee or get a new order in the same amount. 

Thank you
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (SC)

I got a XXXX XXXX 13 months ago at U.S. Auto Sales XXXX XXXX XXXX XXXX in XXXX South Carolina. The agreement was XXXX biweekly, for 18 months. I was also told there was a program implemented in my car to shut it off if I do not make a payment. I was looking to trade it in for something else before I finished the XXXX mark because every time I shut my car off it doesnt start and I have to get a jump. So I went to the XXXX dealership on Wednesday XX/XX/XXXX to get an appraisal just to see what they would be able to do. I was then told they found an illegal gps tracker on my car disguised as a sticker in my door. Then they tell me my profile doesnt not say the agreement, it shows they are only taking out a total of {$150.00} of my monthly total for 72 months. So the gentleman told me he would still try to figure something out but the value of my car wasnt even a XXXX. He said to come back the next day. While I was at work I did some research and found out U.S auto sales has a federal lawsuit for multiple reasons, one being illegal gps trackers on their vehicles, two being kill switch starts on their vehicle ( which is why mine wont start ), three for illegal repossession, and four being tripling payments. I was advised to put in a claim and get legal advise.
Consumer complaint received 2023-03-07
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. (KY)

In accordance with the Fair Credit Reporting act XXXX account XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Consumer complaint received 2023-03-07
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-03-07
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. (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 Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or 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 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TN)

On XX/XX/2020 I sent Phoenix Financial Services LLC a dispute/challenge via certified mail USPS. This letter stated that I would need proof or verification that is account is mine because I do not believe the account is mine. I requested documentation which I never received. On XX/XX/XXXX I sent another letter to Phoenix Financial Services LLC via certified mail USPS this letter was a request to remove the negative account from my consumer credit reports because Phoenix Financial Services LLC is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Phoenix Financial Services LLC has still failed to remove the negative information from my credit report. This is clearly willful noncompliance. I have maintained a careful record of all my communication with Phoenix Financial Services LLC.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-08
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. (UT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (GA)

I had XXXX XXXX XXXX dollars on a money network account and there were many fraudulent transactions on my account equalling XXXX dollars I have had no luck with law enforcement lawyers and the company itself
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX  XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN is continuously reporting inadequate addresses I have never lived at and or not my current address that isnt accessible to me. My 1st complaint was submitted to the CFPD on XX/XX/2023 report # XXXX which Experian removed of all aliases and misspelling of my name.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (RI)

I have made several complaints on Federal Student Aid website and requested that my complaint be escalated to the Ombudsman Group on XX/XX/year>. The website was faulty and would not show/save my message so I screen shot it and attached it to the complaint. I have made many attempts to call mohela and request information. I requested a full summary of my loan status, but a document in text format was delivered. 

The original problem is that Mohela 's PSLF qualifying payments were up to XXXX payments on multiple loans. I called multiple times to inquire about overages, how I would get them back. I was told a check would be issued by the US department of treasury for the overages once Federal Student Aid approved my status. Once my status was approved, I was locked out of my Mohela account for " maintenance ''. I could not and still can not view my qualifying PSLF counts. I have requested that information and have received no communication.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NV)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose
Consumer complaint received 2023-03-03
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. (FL)

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 Accounts #, XXXX dated XXXX dated XXXX dated XX/XX/2018, 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 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.