davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (FL)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (WA)

After financial hardship, my loan account from Moneylion that I took out at the beginning of the pandemic went into collections. As of today, XX/XX/2022, the payoff amount is {$140.00} as reported to XXXX, but when I tried to pay the amount on the moneylion app, the loan account wasn't showing and the app wouldn't let me cancel the unused membership without paying off the loan first. 
Since I couldn't find a way to pay it in the app, I logged into the website on my browser, and the website said " Looks like we are unable to process your payment at the moment. Please login to the mobile app to make your payment there instead '' I then called customer support at ( XXXX ) XXXX, where they told me the payment amount is now {$170.00}. Although the difference is {$30.00}, this is still a lot for me, as I've had to save up to have the {$140.00} available to pay it off. The customer service representative on the phone was unwilling to tell me why the balances were different, and demanded that I pay the full {$170.00}. I was unable to come to an agreement with him, as I'm only capable of paying the {$140.00}.
Consumer complaint received 2021-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX, sent certified mail to Capital One on XX/XX/XXXX, for an alleged debt. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g I asked for a debt validation, and I sent a cease and desist pursuant to 15 USC 1692c which has been ignored by capital one. They have resent me the statement for the next billing cycle, and have violated Federal Law by doing so and using interstate instrumentality to communicate with me. They have not sent any validation pursuant to 15 USC 1692g, which is also a violation as I the consumer demanded them to. Due to the neglect and clear fraud pursuant to the violations I would like CFPB to enforce my consumer rights, and rights to my specified remedy in accordance with 15 USC 1692c ( c ) ( 2 ).
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lefkoff, Rubin, Gleason & Russo, P.C. (GA)

XX/XX/2021 middle of the pandemic. I stopped working in XXXX to move back home in XXXX. Was looking for work. In XX/XX/2021 I was involved in a XXXX XXXX and had XXXX XXXX in XXXX XXXX I let XXXX XXXX know I wasnt working, I told them I was in a car accident. They closed my account and immediately sued me. The agent basically didnt care and kept harassing me to call other family for money to pay. They did not give one XXXX  about my situation. Once they found out about my accident the expedited the process to close my account to obtain a judgment against me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continue to report incorrect information although they claim to update the information on my consumer report. The credit bureaus have not done as they stated they would, there are name variations that are incorrect and several addresses that do not belong to me. 

The only name I go by is XXXX XXXX and there should be no other name on my report it is inaccurate and causing identity theft issues because its not accurately reporting. My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect and should be immediately deleted. 

Failure to comply I will immediately sue each credit bureau for lying about updates that they are not doing this is a violation of my federally protected consumer.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

its showing me a balance of XXXX which is not accurate and the balance needs to be removed. I tried to explain to the company but they never take it off my report it was around XX/XX/2019 when the account was here i am showing on the report. experian will not take it off and one of the other one did. I need it removed its showing a written off which is not accurate.
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

NAVIENT - XX/XX/XXXX that automatically deferred my loan. I contacted them immediately and told them I did not ask nor did I want a deferment. The said ok we have fixed it. I then on XX/XX/XXXX I received a letter stating they have changed my terms and payments. They lowered my payments and extended out my loan for 3 more years!! 3 more years of interest!! I called them and they could not explain. I have 2 loans taken out on the same date and payments started on the same time together. they now say one loan completes on XXXX and the other XXXX. They used to be the same XXXX.
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 — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

We have been in touch with Wells Fargo directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. Wells Fargo takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with Wells Fargo Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that Wells Fargo had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a Wells Fargo bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from Wells Fargo saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that Wells Fargo just did not process. We were contacted by Wells Fargo saying they would look into it. 

Wells Fargo told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
Wells Fargo is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Consumer complaint received 2023-01-09
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. (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. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : 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 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 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : TRANSUNION : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX Original creditor : XXXX XXXX XXXX {$2400.00} Account number XXXX Collection opened XX/XX/2018 2018
Consumer complaint received 2021-05-24
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: Experian Information Solutions Inc. (NC)

I sent Experian and XXXX Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my Exerian and XXXX  file.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MA)

I purchased a mattress from Mattress Firm in XX/XX/XXXX. The promotion offered was interest-free financing for purchases over {$2500.00}, with no expiration date. Monthly payments were {$29.00} and Synchrony Bank financed the purchase. 

My XX/XX/XXXX and XX/XX/XXXX statement reflect this. Then a steady increase in monthly payments can be seen from XX/XX/XXXX through XX/XX/XXXX. {$90.00} is the new minimum amount due. 

When I asked about these everchanging minimum payments with customer service, I was told costs would revert to {$29.00} monthly once credits were applied to my account. This did not happen and today, XX/XX/XXXX, I was told the monthly {$90.00} is because my promotional offer required repayment in 36 months, and my new monthly payment would be {$90.00} going forward. 

The promotional offer I accepted was 0 % interest until the item was paid off. On my statement ( s ) in the Promotional Purchase Summary, Promotional Expiration Date displays UNTIL PAID OFF on the same page ; at the bottom, it also states No Expiration Date ''. Billing statements from XX/XX/XXXX to the present show the same. If the promotion were for 36 months or any other period, it would be reflected on my statements, and its not. Further, this can be seen on Synchronys website instructing customers How to Read a Statement. 

This change in minimum payment appears to have occurred after I disputed the charge, only resolved after I filed a complaint. I was told by customer service today, when you canceled Card Security and filed a dispute, you accepted a 36-month promotional offer. I most certainly did not! Why would I agree to a new promotional period that tripled my minimum monthly payment and if I did, why isnt it showing on my statement? 

I requested that Synchrony Bank adjust my account to reflect the promotional offer I accepted accurately, the one shown on my statement for the past six months with a {$29.00} minimum monthly payment until the item is paid off, with no expiration date. They have refused so I am asking for your assistance. This feels like a bait & switch. 

I have attached my XX/XX/XXXX statement and XX/XX/XXXX. I have additional documentation if needed
Consumer complaint received 2020-09-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I have been getting a call starting XX/XX/2020 daily. The debt collector XXXX XXXX could not tell me the company she was calling or the reason for the call but stated each call I will have a case filed against me with XXXX County and they will be calling my job to speak with my supervisor. I also saved a voicemail when she called my XXXX year old daughter trying to locate me for a case filed against me and said that my daughter name and address is the most likely location for me. This totally terrified my child had her thinking I was going to jail.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (IA)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (CA)

I spoke with XXXX XXXX and last week, he is the manager of the XXXX XXXX at the XXXX XXXX XXXX WI, and XXXX XXXX XXXX WI, Today he told me that he could not find a file on me, I reminded him that I was in the middle of trying to purchase a home, but I couldn't move forward unless the two derogatory marks there company reported to XXXX  were removed, he instructed me to contact XXXX at State Collection Services. I spoke with XXXX, and I also sent him a copy of the 2 derogatory marks that are now in Collections on my XXXX  credit report, I also informed XXXX, that these derogatory marks were disputed before I could dispute them, I told XXXX that I wanted the derogatory marks removed from my credit reports, because I never utilized any of the services from there clients, I also informed him that I am in the middle of purchasing a home, and this error is stressing me out
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (GA)

Upon pulling my credit report I noticed that there is a XXXX XXXX XXXX account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with XXXX/XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TCF NATIONAL BANK (IL)

I am appauled the the lack of customer service given me. I have been seeking assistance to correct my account and have my fees waived for more than several months to no avail. A check was cashed with no name as the payee which brought my account negative. I've been trying to work with the bank to find out how this has occurred but to no avail. Yet, I have been taxed and hit with overdraft and bank statement fees. I would not have an overdraft fee the check with NO Name/payee wasn't paid and furthermore I was informed that I would not be charge the fee for bank statements. No one seems to want to help me. 
Moreover, I was informed the bank would close my account and then send my balance owed to a collection company. This is shocking and fraudulent. 

Please have someone call me to assist ins working out this issue.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (NY)

My credit score is reporting a charge off for XX/XX/XXXX on a account that was charged off XX/XX/XXXX so I have 2 charge offs on one account balance of slightly under $ 8000USD and it is ruining my chance to get a home as it appears every few years again as another charge off on a closed account. American Honda finance and XXXX are the culprits of missmanaging information and reporting old history from a account that was closed in XXXX incorrectly so that it still keeps reapearing as a recent charge off when this entire transaction started in XXXX and ended XXXX!!
Consumer complaint received 2020-12-09
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. (IL)

Hello! 

Really appreciate your help! 

Not that it matters, but I've had my identity stolen a few times. Great. 

I'm trying to file a dispute for another identity stolen/collection that's not mine. For the 5th time, I try to connect with Transunion & XXXX via ( calls and web portal ). 

1 ) Transunion Via online, I'm met with this message : XXXX We appreciate your patience while we resolve this issue. 

What to do now : Please try again later. 
If this problem persists, please contact our Website Access Support team. 
If this problem persists, you may want to wait at least one hour before trying again. 
XXXX Via the phone, I'm met with infinite call wait times, and a system that DOES NOT HAVE A CLEAR DISPUTE RESOLUTION NUMBER OR NUMBER TO SELECT. 


2 ) XXXX When I try to initiate the dispute online, I'm told to call XXXX. When I call, I'm met with another automated voice system that DOES NOT HAVE A DISPUTE OPTION OR NUMBER TO SELECT FOR MY DISPUTE ISSUE. 



So, I can't even initiate disputes with Transunion & XXXX for Fraud, Collections, and having my identity stolen which is killing my credit score. 


Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with XXXX  if the debt is XXXX the score should go up not down. Instead of showing the XXXX  XXXX paid in full it is showing a closed account which is wrong it should show it paid off. Number two PayPal is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look Paypal has a complaint with you about this by my husband
Consumer complaint received 2017-12-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MI)

This complaint is lodge against Wells Fargo for refusing to review the file that was submitted by XXXX XXXX XXXX  that i have retained to represent me regarding home modification, Wells Fargo intentionally denied, obstructed, and mislead pertaining to modification application that was submitted, i was informed by XXXX XXXX XXXX that Wells Fargo will not review the modification file nor stop foreclosure sale because its less then thirty-seven days from foreclosure sale which is XXXX XXXX, myself and the law Firm attempted to reach out to executive department without any recourse, This modification was initiated resulting from hardship from Auto collision on XXXX XXXX, please see attachments regarding chronological events ... ..since the beginning we have been trying to save our home from foreclosure since XXXX, I have lost significant time on my job because of my wife 's auto accident, that resulted in lost mortgage payments and falling severely behind we have been trying to get modification for three years. Wells Fargo appears to be driven to put a family out on the streets, i ask this noble institution to rescind foreclosure sale and modification to proceed.