davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

For the past three years this has been going on Synchrony Bank opened a Car Care account in my name mailed the card for undisclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract Synchrony Bank several times and ask them one single question please send me the paperwork and application that was submitted I have yet to receive that every time I sign an Affidavit of not using the count Synchrony Bank opens a fraud investigation for the past 3 years this has been going on Synchrony Bank opened a car care account in my name mailed the card for an disclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract XXXX XXXX  several times and ask them one single question please send me the paperwork an application that was submitted I have yet to receive that every time I sign an affidavit of not using the count Symphony bank opens a fraud today everytime they come up with a different reason which shows that they don't even know what's going on please help me remove this fraudulent card from my credit report as it is constantly making my score goal like a yo-yo I never applied for this card never use this card send them affidavits to
Consumer complaint received 2020-07-24
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)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have been place under XXXX XXXX without my consent. 

My loans were originally under XXXX. I made payments to them starting in XX/XX/XXXX when my 6 month deferment period after graduation had ended. I enrolled in the Income Based Repayment Plan and made payments of {$130.00} monthly. 

I then had my loans transferred to XXXX XXXX from XXXX  because I enrolled in the XXXX XXXX XXXX XXXX program. I was eligible through my employment at the XXXX XXXX  XXXX starting in XX/XX/XXXX. 

I faced problems initially when my loans were transferred because they lost my XX/XX/XXXX payment and did not recover it till XX/XX/XXXX. But this was only the beginning and is not the main issue I am concerned about. 

I made payments of {$130.00} every month on time until XX/XX/XXXX when my account was put into XXXX XXXX without my consent. I qualified for deferment when I was accepted for my masters at the XXXX XXXX XXXX. However, in NO way did I want my loans put into deferment as my interest would begin to capitalize. I am also capable of making the payments. So why would XXXX XXXX put me into deferment with no authorization or reason to believe I could not make my payment? 

I have no idea and it seems neither did the agent at XXXX XXXX I called. She said this has been happening a lot and that it should not be without an application for XXXX XXXX. She said they will send me an application in 7-10 days to get out of deferment ... Of course during this time my interest is capitalizing. 

I am very concerned about this as it seems this is a VERY common issue with this loan servicer. Please contact me as soon as you can, I would be happy to speak more about this. I know XXXX is currently undergoing an investigation over this same issue.
Consumer complaint received 2018-08-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

The consumer financial protection bureau needs to request a recorded conversation I just had with select portfolio servicing, the company servicing the mortgage the investor, XXXX XXXX has on my property. The conversation was held with XXXX XXXX on XX/XX/2018 at XXXX XXXX   central time. I want this conversation forwarded to XXXX XXXX, the attorney general, XXXX XXXX comptroller of the currency, fdic, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, the bankruptcy trustee, the federal reserve, XXXX settlement and any other company agency or entity involved with the fraudulent mortgage XXXX XXXX is servicing on my home.
Consumer complaint received 2022-05-03
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (WA)

Summary : Equifax is reporting to Fico that I have a recent missed payment when i dont. 

Background : i filed a dispute on my credit report with Equifax several months ago. Equifax investigated and as a result of their investigation, that disputed account was updated. The problem then started. The updated date on the disputed file made it appear as though it was recent even though it was XXXX years old. I have made multiple subsequent disputes with Equifax and they have not fixed it. I spoke with them over the phone and even said they could see that the file was old and no recent missed payment was on my file, but it was still reporting to Fico that it's recent. They even advised me to speak with Fico directly. I spoke with Fico today and they said they can see the " recent missed payment '' affecting my score negatively but coukd not find any recent missed payment. They directed me back to Equifax. This is why I am here. Both Fico and Equifax have verbally told me there is something wrong but neither can fix it.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

My two credit card accounts with American Express were opened XXXX XXXX, XXXX XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Consumer complaint received 2018-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

My 4 private student loan amounts are increasing and the interest rate is going up. I took the loans out in XX/XX/XXXX, each of them have more amounts than the original loans. All 4 loans as of XX/XX/XXXX is more than the original loan amount. 10 years of payment, how is it possible?? I was few times late due to high payments, trying to juggle family, XXXX kids car payment, rent, Insurance. So many years of payment should count for something. I want to get out of thia situation and refinance but, it is impossible. I am set for failure. I will have pay this for the rest of my life.
Consumer complaint received 2018-03-12
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. (CO)

On XX/XX/XXXX I sent a dispute letter to TransUnion regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX I received a letter back from TransUnion stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.
Consumer complaint received 2018-08-01
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)

I am livid and I am tired of being ignored, violated. Experian is repeatdly lieing to me about verifiying accounts on my report. I have proof and copies, that they have not accurately been reporting, validing the request i send in. I need help in enforcing the rights I have as a consumer to fix these repeated ongoing issues.I have taken the time to list each account for ISSUES and REASONS OF INNACCURATE, UNVERIFIED AND SHOULD BE DELETED. I have provided copies of request that i have certified copies they received with this information dated back to XX/XX/XXXX. 

XXXX XXXX ACCOUNT XXXX ... -- - ( XXXX ) *Reporting late 30 days 23 times! shouldnt it have been XXXX????? 
*if that was the case how is it PAST DUE in XX/XX/XXXX? isnt this reaging? FCDPA VIOLATION *I have been disputing this for months how is the Date of Status XX/XX/XXXX? Violation of FCRA *How and WHY are you reporting payments on a charged off account? 
*why is the chargeoff amount XXXX when you say I am past due XXXX? 

Do you see a pattern of this? This clearly has not been valided, nor verified and should be deleted! 

XXXX XXXX # XXXX .... 
* Date of status is incorrect ( i have been disputing the validation and verification for months ) This provides this account hasnt been updated ( DOIA ) FCDPA and FCRA *XXXX XXXX is the month and date of the inaccurate reported charge off *How is this past due XX/XX/XXXX of XXXX when you charged off the same amount 2 years ago? 
*NO TERMS BEING REPORTED *NO MONTHLY PAYMENT AMOUNT.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (CO)

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 XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX 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 : 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 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (TX)

XX/XX/22, my wallet was stolen at my job by a new employee, I later found out she took it and filed a police report also disputed the transactions with all card issuers. SOFI had 5 transactions I needed to dispute totaling {$460.00} and they refunded me one of them within XXXX  days, but the other XXXX that totaled hundreds of dollars they said on the tenth business day that no error occured. I filed a police report this lady is in XXXX for debit card abuse and they refuse to look farther into my disputes and refuse to even acknowledge that this woman took all my money and XXXX says I took all necessary actions in the police report and filing charges, requesting a refund for the XXXX and disabling ym card and ordering a new one the same day as the problem occured. But today is the XXXX business day and I asked for a temporary provisional credit while they investigated and they closed my XXXX disputes saud no error occured and won't answer my emails or return my complaint calls. So now that woman may get the charges dropped even tho there is physical video evidence she used my card the bank won't say it was unauthorized because I want my money back from them and they won't respond to me when I request the paperwork they used to determine no error occured when clearly it did or the police wouldn't have arrested her
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

Recently I was notified by XXXX  that a fraudulent account XXXX {$340.00} was being reported by Radius Global Solution. Radius Global Solution has never communicated with me about this fraudulent account. This account is not mine. Radius Global Solution has violated my rights under the FCRA. This fraudulent account they are reporting to XXXX  is having a adverse effect on my credit rating.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-25
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-10-08
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: Experian Information Solutions Inc. (TN)

Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, CFPB
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house.
Consumer complaint received 2020-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.
Consumer complaint received 2018-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NC)

This has been ongoing since my mortgage company was switched from XXXX XXXX XXXX to M & T Bank. M & T Bank has started to harass us none stop. They also increase our mortgage for various reasons and when asked why we can never receive a direct answer. They also call our phones at least 2 and 3 times a day. The first problem started when our company was switched about 5 or 6 years ago. They immediately increased our mortgage from XXXX to XXXX and when we asked about it they stated it was a short in escrow. The threaten to foreclose our home if we didn't pay a little over 7k. After we became current for a while our mortgage maintained at XXXX, but around XX/XX/2016 after the birth of my daughter we went through a loan modification and had to pay at least 3 payments on time to receive the modification. Once in the clear we were able to go back to paying XXXX. About 6 months ago we received another letter stating our escrow was short and we would have to XXXX instead of our XXXX a month. When we ask for documentation or clarification we get told they will send it in the mail, but on numerous occasions we have not received anything. We became current by paying online and they are now stating they are not receiving the online payments. Now we have 2 different confirmations and once we tell them the confirmation numbers they state they can't pull the confirmation numbers up. It has lead to us having 2 to 4 mortgages coming out of our account and having to pay overdraft fees to our banks in regards to it. We have also asked if we could separate our escrow and they state they couldn't do it. Just recently they listed us as foreclosed because they told my wife that I was deceased, and that she will have to be removed from the house if she couldn't afford the mortgage. As of now we have paid 2 mortgages back to back and every time we get current they state we are behind again. We are confused and are asking for justice to be served. They should not be able to harass and discriminate against their customers.