davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus Equifax, XXXX and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EAST WEST BANK (TX)

I opened an account with East West Bank and I had already made my minimum deposit of {$100.00} and it posted in my account already but I still unable to enroll to XXXX on the online banking or computer and I've been try to enroll to XXXX but it keep popping an error say " XXXX is currently unavailable '' and I had contact Customer Service so many time but no one has help me to resolve this problem yet.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MT)

Had my account for several years : used my debit card online in order not to go over : they hit me repeatedly for overdraft fees, and told me the new law did not apply to online purchases, only XXXX.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; 30 day late XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; & XXXX XXXX 60 days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-10-08
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)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-10-08
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. (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 reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00}
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (NY)

I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against Equifax or l the company reporting the information.
Consumer complaint received 2022-12-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VT)

On  XXXX   XXXX , Synchrony Bank  [ WalmartCredit.com ]  debited my checking account twice with the full balance due on the account -- 2 debits of {$420.00}, creating an overdraft on my checking account. When I tried to get Customer service to credit the second amount back, I was told it was my fault that I had authorized the original payment and subsequently had added autopay to the account. ( I have done this with  XXXX  and  XXXX  credit cards with no problems at all. ) However, the Customer Service representative stated that there was no way for  Synchrony  to credit the account. The best she could do was send me a check that I would receive in  5  to 15 days. When I insisted that was not satisfactory and spoke to a Customer Servic e Manager,  the best offer she had was to expedite the check and perhaps get it sent in a couple days if I FAXed proof of the double debit to her FAX number. I sent my copy and had my credit union also send proof of the double payment.  <P/> My complaint is that I see no reason  1 -  for the double debit in the first place. If I had a payment authorized, then  AutoPay  should not debit an account that then has a   XXXX   balance. In fact, when I signed into the account after the incident, it had a negative balance of {$420.00} -- so the bank was aware of the double payment. And  2  - If the bank can debit the account, there is no reason in my mind that they ca n't credit it. Again, I have had experiences with what I deem more reputable banks, and a Customer Service rep can immediately credit an account for some error -- or at least forward me to another person who can. It does not take  5-15 d ays for a correction.  <P/> I have a FICO  credit score i n the  XXXX  's which this bank posts, so it 's not like I am a credit risk to them.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-07-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

On XXXX XXXX, 2016 I submitted my last payment to One Main Financial in the city of XXXX in person to XXXX and my account was never credited nor did I receive my title. I was never notified of a foul play or robbery by XXXX. I visited my main location located at One Main Financial ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX and the manager stated that she would personally mail my title to me after she sent the requested documents to her corporation by fax. I never heard from her after numerous follow ups in XXXX and XXXX. I resent the documents in XXXX. I was told that the check I gave to XXXX  representative XXXX was cashed by someone else. I never received a notice that there was foul play or a robbery by the management or carrier. Consumers have to know so that they can protect their assets. XXXX has yet to notify me. The only documents I received was past due letters and collection notices.
The effort was placed on me as the consumer to prove that I presented a check to their company A full investigation should be done immediately for the consumers.
Consumer complaint received 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

My federal student loan servicer is Nelnet - I had previously paid off my entire loan balance on XX/XX/22 ( payment made that day of {$220000.00} ) and had a {$0.00} balance on my account as of XX/XX/22. I contacted Nelnet by phone on XX/XX/22 and asked for just {$10000.00} of my payments to be refunded to me under the XXXX act, the representative confirmed that it had been submitted. I called again on XX/XX/22 to check-in that they had everything that they needed from me and to confirm again that I only wanted {$10000.00} refunded to me- and that I did not want anything additional to be refunded. I received a credit reporting alert on XX/XX/22 that there was a change in my credit report and that my student loan balances had increased. Upon logging into my Nelnet account on XX/XX/22 it showed that my previous {$0.00} balance was not {$220000.00}. I spoke to a representative on XX/XX/22 and questioned why so much was refunded to me- they could see in their records that I had in fact asked for only {$10000.00} to be refunded and that there must have been a " glitch '' causing so much more to be refunded. They said there was nothing further they could do at that point and I would just have to wait until I received the refund ( could not give me any information on when to expect the refund ). Upon logging into my Nelnet account again on XX/XX/22 my balance increased yet again - to {$280000.00}. I called again on XX/XX/22 to understand what was happening- the representative said a balance that had been paid previously to another lender was also refunded ( {$61000.00} ) that was added to the {$220000.00} balance on my account. They said it had not yet been sent to the XXXX XXXX XXXX XXXX so there was a chance they XXXX be able to stop this refund but they couldn't guarantee this. At this point in time this is impacting my credit report showing a large amount of debt and I have not received any sort of refund to pay this money back and reduce the balance. Their mistake is impacting my ability to complete the necessary applications/have satisfactory debt/income ratio to close on a home.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : SELF FINANCIAL/LEAD BANK Account number : XXXX
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

FedLoan Servicing made an error in processing my application for Public Service Loan Forgiveness. I have more than the total 120 qualifying payments made while working for a qualifying employer. I submitted a form in XX/XX/XXXX verifying my employment, with the same employer since XXXX until present. The form was processed, but the processor marked all payments made during the XXXX  year ( XXXX payments ) as still needing employment verification, even though the prior and more recent payments were all accepted as qualifying and verified. I called FedLoan Services to try to resolve the issue, and sat on hold for nearly two hours just waiting to talk to a representative. Then, the representative said she didn't want to spend half an hour going through all of my paperwork and she would submit the issue for review. They could not provide information on when I would receive a response or the time frame for review and were not willing to correct the issue at the moment. I asked to speak with a supervisor and was told I'd have to wait at least another XXXX hour or XXXX minutes and they wouldn't do anything to help me anyway. I am very frustrated, as it took XXXX  months ( XXXX - XX/XX/XXXX ) to review my application for PSLF and provide a response in the first place, and now I have to go back to sitting in line for an undetermined length of time in order for them to resolve an error on their part.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (OH)

I  had a change in bank accounts. In   XXXX   XXXX  , I filed paperwork to have my autopay account changed to my new account. The change was never made. I called in  XXXX  and a representative told me the paperwork was received and she was unsure why it was never processed. She assured me that she would make sure it was processed. However as of this date, it has not been processed. I have had overdraft issues in the checking account that I am trying to close because   XXXX   continues to pull my payment from my old checking account. I do n't have the option of taking my business anywhere else due to the fact that it is a Federal Student Loan. All I want is to be able to continue making my payments to the appropriate checking. I think an over 4 month processing time is ridiculous considering their website states that it takes 10 days to process.
Consumer complaint received 2022-07-07
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. (TX)

I am writing Complaint due to the fact Equifax, XXXX and XXXX fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to XXXX ; XXXX continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT Equifax and XXXX fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date XXXX still reports false allegations that the XXXX Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) EQUIFAX, XXXX and XXXX credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (MA)

I signed up for XXXX XXXX XXXX in XXXX of XXXX. Its a XXXX XXXX product. The company went bankrupt a month later. Healthcare Finance Direct was a separate company responsible for the payments for XXXX XXXX XXXX. XXXX is forcing me to pay for the treatment that no longer has any support and for a product that no longer exists. They are threatening me to send my debt to collections if I do not pay. The contract I signed for XXXX XXXX XXXX guaranteed support, customer service, and guidance. Im no longer receiving any services promised when I signed up for XXXX XXXX XXXX and i am completely on my own regarding the treatment. We were also promised a lifetime supply of retainers once we complete treatment, but the XXXX  is out of business. The contract has been breached. My XXXX  also do not fit. Ive requested to cancel my account and they have denied me and continue to force me to pay for a medical product that has zero support behind it.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

This is a complaint as an update on my previous complaint of a fraud charge in the amount of XXXX that appeared on my card on the XXXX of XXXX. I contacted citi and they pushed it through and put a credit stating " security investigation '' on it. They are telling me there could be a charge back on my next statement!!! I honestly do not know what else I can do but I DID NOT make this huge charge and will NOT pay it! I have taken steps with multiple contacts to the merchant- the XXXX/XXXX  and they keep pushing me off to other people and say I have to deal with citi , however citi is not handling it properly. I don't know how much more clear it could be that a whopping XXXX purchase is not mine- I don't ever buy train cards in huge amounts or even make XXXX dollar purchases! I am filing a police report tomorrow but nobody seems to be helping me. Citi 's site says 0 liability for fraud- which this CLEARLY is and so there should not be a " chargeback '' on my next statement. This is causing me a lot of stress and I have no idea how this person stole from me but again- I DID NOT make this purchase. I have 0 evidence that I can provide since I wasn't there and they tell me it was made at XXXX in the morning when I was in bed! Citi is acting unethically and not filing it as fraud.