davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (PA)

I received a notice from synergetic communication inc on XXXX. It stated that XXXX XXXX XXXX was their client and was collecting a debt from XXXX XXXX XXXX. 
I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I Withdrew due to the lack of quality education I was receiving, and the expensive tuition charges that were raised significantly since I had enrolled with no legitimate charges. A few months later in XX/XX/XXXX, I learned of the probation of XXXX and upon further research I had learned out that they were suspected a fraud. 

Later, I am a class member of the current and previous investigations and due to an automatic student loan forgiveness and also class action award due to the fraud and litigation against XXXX XXXX XXXX, and XXXX for defrauding federal grant and loan programs and the agency that approved its accreditation. 

The debt was 13 years ago. I am eligible for borrowers defense regarding my loans which also happen to be with serviced with XXXX and fed loans which also are in litigation for fraud. 

This system is corrupt. I called XXXX last Monday to obtain any transcripts that they may still have available on my file before all campuses are permanently closed. I then received a letter from synergetic For a debt that I dont even own from a fraudulent campus from 13 years ago. 

Stop pursuing money as you already stole enough from me and the government. Not only should synergetic communications inc and any other collection agency be allowed to collect on fraudulent student loans, XXXX XXXX XXXX should be ashamed of themselves for going after decade old money for a product/service they did not provide!
Consumer complaint received 2018-12-08
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A  ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
Consumer complaint received 2018-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (VA)

I received a notice that SYNCB/PPC also known as Synchrony Bank, had closed my paypal account between XX/XX/XXXX and XX/XX/XXXX. It showed up as something that may lower my credit score. I have never given Paypal or Synchrony Bank permission to run my credit or do anything with my account. 

I was not contacted by them to be told of the changes. I do not want to have my credit negatively impacted by a company that had no permission to do anything with my credit. I have previously had problems with someone trying to take funds out of my paypal account in XXXX, and have not used it since due to this reason. 

I called the company on XX/XX/XXXX to have them run a dispute on the changes.
Consumer complaint received 2018-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (GA)

The servicer contacted me back XX/XX/XXXX of last year and told me that my loan was due for repayment. I specifically asked them to send me any original paperwork bearing my signature from the original date of loan. The representative said they do not provide that information and I will have to repay the loan without them validating the signature on the loans.

I have sent them a letter in XX/XX/2018 requesting the same information again and never heard from them again. I received a letter on XX/XX/2018 stating they are proceeding with wage garnishment without following proper Federal code ( 4 ) ( h ) ( 1 ) ( B ) Federal Rule to Civil Procedure of sending a summons to appear in court. I am sending them a letter in writing again with return receipt requested, asking for Original documents Bearing My Signature from date the loan was started. The loans were cancelled 1. XX/XX/2006 and loan number 2. XX/XX/2006. They were both cancelled on the same date. I didn't attend this school nor did I sign any loan paperwork for this institution.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America offers an Overdraft Protection service that allows for automatic transfers from your savings into your checking if the checking gets into an overdraft situation. If Overdraft Protection posts a transfer Bank of America charges a {$12.00} fee. Prior to XXXX, XXXX when Overdraft Protection was initiated, but not posted, if you made a transfer or deposit into the affected account prior to the transactions in question posting the Overdraft protection would not post and no fee would be charged. However now, even if you transfer or deposit funds into the account to cover the pending transactions, Bank of America still moves forward with the overdraft protection transfer and fee. 

For example, I had a debit card transaction initiated on Saturday XX/XX/2021 that was potentially going to cause an overdraft. Bank of America put a hold on the amount of the overdraft in my savings account preparing for the transfer. When I checked my account on Sunday XX/XX/2021 and noticed the potential overdraft I manually transferred funds from my savings into my checking to cover the transaction. In past my manual transfer would have essentially cancelled the overdraft protection transfer. However at the end of the day on Monday XX/XX/2021 when all the transactions posted my account the unneeded overdraft protection transfer went through and i was charged a {$12.00} fee. After hours on the phone with Bank of America and speaking with XXXX different senior supervisors informed that Bank of America did in fact chnage their Over Draft Protection process in XXXX XXXX XXXX. And they could not confirm that any notice was sent regarding the changes to any customers enrolled in the service. 

Another concern I have is that Bank of America freezes savings account funds in order to potentially prevent customers from manually transferring funds into checking accounts to avoid the fee. Lets say you have {$110.00} in your savings account and XXXX in your checking. A transaction posts to your checking in the amount of {$100.00}. Bank of America is going to put a " hold '' on {$110.00} in your savings ( {$100.00} for the transaction and {$12.00} for their fee. With this hold in place the customer can not transfer the funds manually or withdraw the funds to make a manual deposit in there checking to avoid the {$12.00} fee. 

In my opinion the bank has engaged in deceptive practices in order to gather fees. I have since turned my overdraft protection off. I strongly urge this agency to investigate Bank of America regarding their Overdraft protection process and fees.
Consumer complaint received 2019-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

Dear CFPB, As a Citizen requesting for help. This company to my understanding they are a Used Car Dealer Finance Company in Texas. 
Me & my family live in South Florida never lived in Texas??? But the following company calls my Cell # XXXX from XXXX Registered under : SANTANDER CONSUMER USA Inc. Mailing Add : XXXX. XXXX : XXXX, XXXX, TX XXXX. Calls Received on : XX/XX/XXXX on XXXX, XXXX. XXXX on XXXX. XXXX on XXXX XXXX XXXX. XXXX on XXXX, twice on XX/XX/XXXX,XXXX XXXX, XX/XX/XXXX,XXXX, XXXX, XXXX, XXXX & XXXX, XX/XX/XXXX. Messages left for : Call Center Operations located in XXXX in the XXXX XXXXXXXX XXXX. I just called XXXX the operator does not have any street address to disclose? But needs additional information about me? I did not disclose anything? I have requested to take of my cell phone number XXXX but they can not help as I do not have any account with them? Everyday Voice Messages : " Good Morning XXXX, Its XXXX XXXX and XXXX XXXX XXXX. This is XXXX from SANTANDER CONSUMER USA Inc. Please return my call toll free # XXXX to speak with one of our Representatives. We are in the Office today until XXXX CST. Thanks Have a Great Day ''. Same message repeats everyday call!!! There is no one by these names in our house. We are a Nuclear Family of four. Dad, Mom & Two Adult unmarried Daughters. We own XXXX used cars brought and paid off in XXXX XXXX, FL. 
All this seems to be a FRAUD & A PROFESSIONAL SCAMMERS. Past month I have called & left messages and sent similar messages to Do Not Call.gov but i am fed up as a XXXX Citizen with NO ONE TO HELP! Can not call to speak to anyone? Since XX/XX/XXXX repoted to Do Not Call Registery.Gov but all in vain. Please Help! Even registered complaints with https : XXXX # crnt - online case # XXXX XXXX XX/XX/XXXX. Today Personally called FTC, XXXX # XXXX to again Complaint my frustrations got a case # XXXX XX/XX/XXXX Rep. XXXX & Sup. XXXX. They requested me to complaint to CFPB. Please help me!!!
Consumer complaint received 2022-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was a charge of {$99.00} with XXXX XXXX which was done in XX/XX/2021 on my credit card with CapitalOne and I disputed the charge. 

Bank disputed the charge and then charged my credit card back again based on the merchant 's response. Post that I had a call with the bank and explained them what happened and then they asked me to upload additional docs which I uploaded in XXXX to prove my case. 

The bank failed to validate the documents and unilaterally decided to close the case inspite of my claim being valid and asked me to directly work with the merchant. The merchant is not co-operative and that is the whole point of having a dispute. 

The bank is not co-operating with me on the dispute and I need your help in resolving it.
Consumer complaint received 2020-12-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (FL)

When covid virus shutdown started in XX/XX/2020, I contacted my mortgage company Midland Mortage. They said in XXXX that if I qualify for program rhat I could put the payments I missed, on to principal amount on loan. Now I find out this is not the case. This is a valid case of miss representation.
Consumer complaint received 2018-12-08
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: CITIBANK, N.A. (MA)

Good Evening ; As you can see, I'm very meticulous when it comes to my credit and pay everything on time or even way before it's due. As I was going through my credit report for the last 3-5 years, I was shocked when I reviewed my credit report and found the late payment on the dates below : XX/XX/XXXX/XX/XX/2016 - 30 day late payment 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 2022-06-14
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions
Consumer complaint received 2022-06-14
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions
Consumer complaint received 2022-06-14
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)

n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-06-14
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX  accounXXXX XXXXt account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/XXXX I went to XXXX XXXX and tried to use my card only to be told to call card services. When I called I was transferred to two different people before I was read a letter describing how Commenity Bank illegally ran my credit report and decided to decrease my limit after I had been a loyal customer since XX/XX/2018. I did not authorize the credit check. This is one of two Comenity Bank accounts that I have, both of which I have issues with. I have other cards and I have never had these problems arise.
Consumer complaint received 2022-06-14
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX  account XXXX account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

Bank opened an account without my authorization. Did a hard inquiry into my report, which reduced my credit score a few weeks I had to apply for student loans. I never requested the credit card or to open the account.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account name and account numbers 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 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
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-11-30
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. (LA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

From XX/XX/XXXX to XX/XX/XXXXI was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
Consumer complaint received 2022-06-14
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. (OH)

Accordance with the fair Credit Reporting Act XXXX account # 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;