davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX, 2017 the allege debt XXXX XXXX XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to EXPERIAN. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..
Consumer complaint received 2021-07-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (NY)

XXXX XXXX, XXXX, and XXXX  have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

When the Coronavirus Pandemic began, the Governor closed both of my XXXX XXXX. I contacted Bank of America and worked out a series of two loan forbearance plans. I received confirmation in the mail for the forbearance. I recently called to let Bank of America know I am back on track and made monthly payments via electronic bill pay through XXXX. 
I was told by the BOA representatives they don't see the forbearance plans nor authorization for forbearance. I told them I had letters and emails to prove this was offered and accepted. They began telling me I needed to fill out a multiple document approval form ( s ). I reminded them I was not told this during the initial approval. Bank of America debt collectors are demanding payment in full on my primary Mortgage & HELOC immediately. They sent a packet to me via email that is secured and I am unable to open. Several others are reporting similar treatment from BOA. At one time during the conversation, the rep. Told me BOA had a transition and some of the data may have been lost?? She seemed very confused and uncertain. The second rep. From another dept. Was extremely rude and kind of told me off. 
I no longer feel comfortable with Bank of America or their associates. 
I have a XXXX year old son and XXXX years of age. Please help me. XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Consumer complaint received 2020-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a mortgage with Bank of america account no XXXX the monthly payment is automatically deducted on the XXXX of each month of {$3800.00} which includes Principal, interest and escrow. 

On XX/XX/2020 I made an extra payment of {$10000.00} towards principal. ( See attached file ) On XX/XX/2020 I made an additional payment of {$5000.00} towards principal in addition to the monthly payment of {$3800.00}. ( Total payment was {$8800.00} ) ( See attached file ) However, bank of america assigned the {$10000.00} towards escrow. They show that I made principal payment of {$12000.00} during XXXX ( See attached file ) whereas I had made much more than that. 

I called them three times. I waited 2 hours each time to talk to a representative but nothing was done. I then wrote a letter of errors and sent it by certified return receipt and finally an agent called me back. But they have not given my money towards principal still. It has been more than 4 weeks since my first payment of {$10000.00} and they continue to defraud me of my hard earned money by applying it to escrow rather than principal reduction. 

I would like you to intervene and press upon Bank of America to stop defrauding people hard earned money that they want to use for payment of principal and stop keeping money that is not theirs to themselves. 


Thanks XXXX XXXX
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (GA)

In XXXX XXXX I made a payment arrangement with Synchrony Bank who is representing HHGREGG to make monthly payments of {$23.00} because of financial hardship. The representative that contact me informed of the terms and asked if I would agree to automatic draft withdrawal. I agreed to the automatic draft withdrawal, I set the date with them and also made a payment for {$46.00}. They made an extra withdrawal out of my account and had to send me a check for payment. Fast Forward to XXXX when I receive a threatening collection notice advising I was not keeping the terms of our agreement and not making the monthly payments. I contacted the company discussed the conversation from XXXX and advised I assume the automatic draft was taking place since I had not heard from them since XXXX. The representative went through the same process again and stated everything would be handled. I 've been making the {$23.00} as promised monthly. In XXXX XXXX I started working with XXXX XXXX to get my finance in order and at an affordable amount. I advised XXXX of the agreement with Sychrony and asked if they would send a proposal and make sure the {$23.00} payments was made to them timely. XXXX agreed. Several proposal for {$25.00} has been sent to Sychrony and have declined to the agree of {$23.00}. I continue to send them payment every month for {$25.00} however, Sychrony is not keeping their promise. They continue to send me collection notices and charge me late fees. They have even affected my credit score even more by reporting me being late every month. I am request that Sychrony be required to keep the promise we made for {$23.00}, remove the negative reports from my credit account from XXXX XXXX XXXX and agree to allow XXXX to continue to work on my behalf and accept the proposal.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (AL)

A couple months ago I got the XXXX credit card trying to rebuild my credit. The first month I used it. I paid it off. Everything was fine XXXX. I used it paid it off. Everything was fine. I live on a XXXX. I paid this card off on XX/XX/XXXX {$700.00}. They tell me the credit will not be available until XXXX XXXX. My power has been shut off. My car is behind. I beg them do not punish me for paying my card off early trying to rebuild my credit. I let them know my power was about to be shut off. They asked me could I already the money from someone else. There should not be a penalty for paying your card off early trying to rebuild your credit instead theyre holding the credit so it will build interest. I can understand if I had been late or just didnt make a payment but now because I paid the card off early with all of my XXXX, I am stuck with no money to eat gas power Car payment will be late. That is {$80.00} a day. Its not fair is not right I beg them for close to an hour asked to speak to several supervisors supervisor was not available. They said they would call me the next day to my knowledge. No one has called me. This is not fair for people that are XXXX and trying to rebuild their lives. One step forward 10 back.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date of Birth : XX/XX/XXXX SS # : XXXX ( Last XXXX ) TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Greetings The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me 1. The following personal information is incorrect XXXX, XXXX, XXXX 2. The following personal information is incorrect XXXX, XXXX 3. The following personal information is incorrect XXXX, XXXX, XXXX 4. The following personal information is incorrect XXXX, XXXX 5. The following personal information is incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Please Delete these inaccurate personal identifiers from my credit report. I have provided my true correct and accurate information. I give permissible purpose for the following personal identifiers to be furnished ONLY : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : N/A Please delete any other personal identifiers. I do not wish to have any employment information be furnished on my credit report, per the FCRA I also have the right to privacy. 


Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 



With Kind Regard, XXXX XXXX XXXX ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : - Identification -Social Security Card -Utility Bill
Consumer complaint received 2021-03-26
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. (CA)

I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.
Consumer complaint received 2023-01-20
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. (MO)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 2020-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Spring of 2016 I was victim of money fraud. An online fraud scam via dating site called XXXX. I checked with my bank, Chase, who confirmed this was legitimate and secure. Turns our after 4 wire transfers, I lost {$16000.00}. Everything I had saved. Chase claimed no responsibility and ignored any part of getting my money back or helping me. 
What can I do. I need help. 
Thank you.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (NC)

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  : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-10-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK (IN)

I called XXXX this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over 70 years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in therapy just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XX/XX/XXXX. 

This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc. (LA)

On XX/XX/XXXX Southern Credit Recovery sent a latter responding to my dispute letter saying I need to provide more information about the false debt I owe and the only information I have is their name and address. How can they report false information on my credit and they can not even provide me the account number.
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I filed a dispute letter with the credit reporting agencies in regards to inaccurate items reporting on my credit report. I never received notifications in regards to the investigation. It has now been over 30 days and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2020-10-22
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. (DC)

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.
Consumer complaint received 2023-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am requesting the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported, as their inclusion violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the immediate removal of these accounts and information from my consumer report to rectify the violation of these legal statutes. Please take immediate action to remove these accounts and information promptly.
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (MD)

Experian continues to keep fraudulent details on my account even after I filed a dispute challenging it as fraud or erroneous. 

I am a XXXX XXXX XXXX enrolled in XXXX  school since XXXX. During this period, my student loan with the US Dept of Education has been in deferment. I noticed that there are 2 delinquent payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit report. I filed a dispute with Experian for these fraudulent reports yet they're still on my account. My student loan is current and has always been current ( please see attached documents ). It clearly shows that my last payment due was in XXXX for XXXX cents which has been corrected by XXXX. 

Please note : The letter from the Registrar 's Office of my school was shortened and redacted. I can provide the full unredacted letter upon request. This is a similar letter that I presented to Experian showing that my account was in deferment when I filed my dispute in XXXX. The regular monthly payment is XXXX because my loan is in deferment.