davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX, the real natural person XXXX XXXX XXXX # XXXX did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter and not a day later YOU HEARDDDD! 
This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I made an arrangement with XXXX XXXX XXXX XXXX XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX XXXX XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for synchrony bank / JCPenny account in the comment section that it was purchased by another lender. So I contacted JCPenny and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was XXXX XXXX XXXX. She told me to contacted XXXX XXXX  about the payment and XXXX XXXX XXXX. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to Experian Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact XXXX XXXX XXXX and XXXX XXXX again.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (MN)

Discover I have reached out to your office multiple time asking you to provide me the information to who you have place discover XXXX with you first stated that you had handed it down to XXXX  but I reached out to XXXX  they stated they were no longer handling it for you and I sent you the paper work in writing. This had been going on for sometimes and your refusal of giving me any information is not acceptable on my behalf. As of this this XXXX day of XX/XX/2020 I XXXX XXXX XXXX at XXXX hrs ask of your company to cease and Desist all Further collection on this account. You have violation my rights and the FCRA as well as FDCPA I asked of your office to remove the adverse account from all four of the credit files. Immediately. I asked you months ago to note the accounts of each of the credit bureaus you refused which made this a violation of a federal and you know this is what made me Escalate in contacted XXXX  when you delete this from all four reporting agencies I asked that you sent me in writing that the unverifiable information has been removed. All you had to do is what I asked you to do months ago you were quick to run back and add the required noticed on the report in which I know you did due to the fact that I have alerts on my report if anything is added to the report other then deletion after XXXX hrs today legal action will apply due to cease and desist request I thank you for your full Cooperation and look for to your letter with the deletions.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TX)

This was not sent in erroXXXX XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XX/XX/2021 - {$700.00} XX/XX/2021 - {$1200.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XXXX XXXX - {$700.00} XX/XX/2021 - {$670.00} All transactions were supposed to be going to stuff, but I never received any receipts for the transactions and never received the service that was paid for from any of the transactions.
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TN)

On Monday XX/XX/2020 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my account with XXXX/Wells Fargo ( see attached wire conformation ) and the money never made it to my account. Both XXXX and XXXX XXXX XXXX XXXX and my self have been trying to get Wells Fargo to respond and or return my {$10000.00} with no luck. Wells Fargo has refused to talk to any of us when we have called them. Wells Fargo has not returned any of our phone calls, email or by wire communication back to XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (VA)

I started the loan modification process in XXXX XXXX XXXX. I have signed notarized and returned all paperwork. each time paperwork was received by loan care. They stated there was an issue. my mortgage payments resumed in XX/XX/XXXX under the new guidelines of the modification. since then I have signed and notarized papers dated for XX/XX/XXXX, a total of approximately XXXX XXXX XXXX times now. I have gone months without communication from them, and when I reach out to them, they still state that they are missing something. This last time they received paperwork from their vendor notary dated XX/XX/XXXX. Upon calling XX/XX/XXXX, they still have not processed this paperwork that is dated from XX/XX/XXXX. No one in the company knows why this paperwork has not been processed and I am still paying my mortgage under these guidelines this whole time. I have escalated this to their underwriting team, mitigation leadership team supervisors amongst others. I have been told by the leadership team that I can report them get a lawyer and constantly be working on this. This is XXXX months since this process has started with resolved. I have to call to make payments each month because I am locked out of the online system because of this issue
Consumer complaint received 2021-05-04
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: SYNCHRONY FINANCIAL (TX)

Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604
Consumer complaint received 2020-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NV)

I have filed a complaint about Westlake Financial Services XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, California XXXX XXXX XXXXSenior Compliance Manager (  XXXX XXXX XXXX ) XXXX ) in XX/XX/XXXX. This company misleads the consumer. The company lost 4 of my  payments that were mailed way before the due date. Once the company located my car payments, they applied the payments to my account but they attached late fees, which I have been asking to have the fees credited back to my account. This company sent the repossession man to my door to repossess the vehicle. They continued to send threatening letters ; regardless of how many letters or calls I have made to the company requesting them to refrain from calling and sending threatening letters. I kept requesting the company to send me monthly statements to my home. I have had the vehicle for over a year and never received a statement until I contacted the Attorney General XXXX XXXX of Nevada. With the two statements I received, they are not accurate. The company is showing I have only made 11 payments towards the vehicle when I was making 2 and 3 payments per month for over a year. I have made complaints to the company questioning why my balance is not going down but remaining the same regardless of how many payments I make. I have recently become aware that no matter how much I write on my payments and in letters to apply ALL payments towards the PRINCIPAL the company still remains to apply the majority of my payment towards the INTEREST. I did not authorize this and did not realize this company is charging way more for the vehicle then what I thought I would pay per the sales amount listed on the vehicle. This company has made negative reports to all 3 credit bureaus when the company lost my 4 payments. This company will send me emails advising that it is time to go through XXXX XXXX to refinance my vehicle. I can not refinance the vehicle through any company due to the negative reports of Westlake Financial Services. On XX/XX/XXXX, I spoke to an agent XXXX employee number XXXX in regards to the late fees she states she was only authorized to remove XXXX worth of late fees added because of their mistake. She advised me the account is automatically generated for payments to go towards the interest first she advised she was not able to correct the issue that I had to contact the dealership, XXXX. XXXX advised me they do not have anything to do with the contract it is the finance company to tell them I am getting an attorney. I have seen many complaints about this company on the XXXX XXXX XXXX XXXX website XXXX XXXX, California. I see where this company and been sued twice. Once by New York and once by California. This company is still running a con and scam on the consumer. I believe this company takes advantage of seniors. I believe the interest rate is ridiculous. So many individuals have been affected by the Covid-19 financially something needs to be done. This company works without ethics and their behavior is XXXX
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is Capital One Bank USA and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the XXXX XXXX BUT the issue is XXXX  XXXX CRA 's ) have reported this on my credit as having a balance of {$910.00}. This is inaccurate and in violation of FCRA & FCBA law. Capital One Bank USA has confirmed specifically Capital One Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. CRA 's are claiming that this is an error on Capital One Bank USA not them. They persist that this is on Capital One Bank USA to correct. Whoever the error is on please update this swiftly as this is affecting my ability to purchase a new home. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 for accounting ending in # XXXX clearly reflects. I have spoken to Reporting Specialist at XXXX  ID # XXXX and have verbally informed XXXX  of the error to get this fixed as soon as possible but they claim the error is on Capital One Bank USA.
Consumer complaint received 2017-12-18
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. (TX)

I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2020-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

I have a home equity loan from TCF Bank. I have been unable to pay my bill online for months now. Their website is non-functional, and no longer allows logins. I attempted to call them during working hours, but the wait is at least 90 minutes and I have been unable to get through. 

I finally paid my bill by check, and they sent me a notice warning my that my loan is past due without acknowledging my payment even though the check was cashed. 

I no longer want to do business with this company, but I have no way to contact them to pay off my loan or even to find out my remaining balance. 

I am trapped.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-04
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. (FL)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2020-09-04
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. (TX)

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX XXXX and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is  being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-04
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. (TX)

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX  ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MO)

Please accept this letter as my dispute of late payments reported by Nelnet. I have had consolidated student loans with Nelnet since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to Nelnet for what I believed to be a consolidated loan. Each statement from Nelnet indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked Nelnet multiple times to consider a good will deletion of the late payments and they have refused. 
Nelnet has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe Nelnets reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.
Consumer complaint received 2024-04-27
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc. (RI)

A debt collector I.C Systems put a mark on my credit report. This is the 3rd collector that XXXX has used over the past 3 years. Each time, I have proven I don't owe this money based on my communications with XXXX  around the date I cancelled the service. I have also shown a credit card statement that shows that XXXX previously agreed I didn't owe anything and credited my account. I can't understand how a debt collector has the right to do this. Also, how can XXXX just pass this from company to company. I haven't received any documentation from IC Systems - I was alerted by my credit monitoring that I have a " major '' derogatory mark over this {$130.00} bill that I do not owe. 

Do I have any rights here?