davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-12
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. (PA)

I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XX/XX/XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XXXX, XXXX, and XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with XXXX and Equifax XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XX/XX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.
Consumer complaint received 2017-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2022-04-06
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 2022-02-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (NY)

AM HONDA FIN is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AM HONDA FIN XXXX )
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

FIRST POINT COLLECTION RESOURCES INC. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : FIRST POINT COLLECTION RESOURCES INC. 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX, is authorized to administrate ( acting trustee ) on the XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. 
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 
govern yourself accordingly. 
By : XXXX XXXX
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXX I set up a payment plan with Synchrony Bank for a PayPal Credit Card for {$75.00} to be taken out of my account on the XXXX of each month. On XX/XX/XXXX they took {$700.00} from my account instead of the {$75.00} agreed. I contacted Synchrony Bank on XX/XX/XXXX and they confirmed this was an agent error however it would take them 21 days to look into the matter. We now have no way to pay our rent or feed our family. My wife and XXXX daughters will become homeless next week because this money was stolen from us and not given back. 

On XX/XX/XXXX I received a letter from Synchrony bank claiming they had attempted to call me, however, I had no missed calls or messages on my phone. They sent a check in the amount of {$700.00} to my old home address without discussing it with me. We no longer live at this address as we are homeless as a result of being unable to pay our rent because this {$700.00} was stolen from us. 

I have called and left messages with XXXX XXXX, as instructed on the letter and she has not once returned any of my phone calls. I need someone to contact me so we can actually arrange for my refund to reach me so my family and I can once again have a home to live in. 

Furthermore, the letter did not tell me how the employee who stole my money was reprimanded and have made no attempt to provide any damages for the loss of our home and the damage done to my family. Isolated incident or not, this has had severe consequences on myself and my family. Unless Synchrony bank feels it is acceptable for a XXXX-year-old and a XXXXmonth-old to be homeless, I am confused as to why they have not made more effort to apologize, contact us, and provide compensation. It has now been over a month, and I am yet to get my {$700.00} back from them.
Consumer complaint received 2020-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WI)

I have student loans that should be in deferral. I am enrolled at XXXX XXXX in a XXXX program. Nelnet, has not listened to me. I did talk with somebody once who said they would verify my enrollment. Nothing has happened. Instead, they slaughter my credit report with this. This is due to their ineptitude. XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$10000.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$9700.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$9500.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$8900.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$6500.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$6100.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$5600.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

The company said they would return my last {$35.00} fee but never did. The {$3.00} charge I complained about was changed from a minus to a plus after I complained to cover their XXXX. 
I closed the account in XXXX but they keep reopening it to charge me fees. Social Security assured me that my check would go to the new account but was put in the Citizen 's bank account so they grabbed all their bogus fees on a closed account. Then I erroneously wrote two checks when I grabbed the wrong checkbook and, once again they opened a closed account instead of letting the checks bounce and letting me deal with my mistake. Now there are more bogus fees on my account, I tried to stop payment on the second check and had to go through a whole lot of XXXX and more fees to stop payment on a CLOSED ACCOUNT. Can they really keep reopening this account? It's like the XXXX  coming back to life.
Consumer complaint received 2020-07-27
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. (MI)

From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( Equifax, XXXX, and XXXX  ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX USBK Court XXXX Michigan and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My mortgage was service transferred to XXXX almost two years ago. XXXX XXXX has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. XXXX XXXX has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by XXXX XXXX. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against XXXX XXXX and will seek reimbursement for my legal costs and other financial impacts this error has caused.
Consumer complaint received 2018-09-21
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. (AZ)

My mortgage was service transferred to XXXX almost two years ago. XXXX XXXX has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. XXXX XXXX has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by XXXX XXXX. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against XXXX XXXX and will seek reimbursement for my legal costs and other financial impacts this error has caused.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2019, my Amazon Store Card ending in **** was hacked, and fraudulent purchases never made or authorized by me, in the amount of {$XX/XX/XXXX}, were charged to my account. I received notifications from Amazon that these items -- including cubit zirconium wedding rings, baseball caps, gardening supplies and kitchen supplies -- were being shipped XXXX on XX/XX/2019 ) and delivered to my address. None of these items, however, was ever received by me, except for one small, light package ( which I assume was the wedding rings ), which I returned to sender, unopened. 

Numerous attempts have been made with the credit card company, Synchony Bank, to resolve this issue -- but to no avail. Several times the charges have been removed from my account -- only to be put back once again after Synchony denied my claim. I have provided to Synchony all of the documentation I have. ( I will provide all of this documentation to you as well, along with this complaint. ) I don't know what else to do, and so I am reaching out to the CFPB in the hopes that you can help me resolve this matter.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

Back in XXXX, I had a XXXX XXXX XXXX XXXX ( Now Synchrony, JCPenny Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a XXXX balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McNeil & Meyers Asset Management Group, LLC (IL)

My wife and I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX with the final distribution signed by the judge on XXXX ( attachments provided ). One of  the creditors listed was XXXX XXXX. The debt owed to that company was discharged with our other debts on XX/XX/XXXX. Fast forward to XXXX when we tried to refinance our home and found an adverse credit mark on our credit from a company called : MCNEIL & MEYERS RECEIVABLES MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX. According to our credit reports, the debt was placed for collection on XX/XX/XXXX. This date is 6 months after our bankruptcy was discharged and nearly a month after the final distribution. We had opened no new account with XXXX XXXX. I contacted McNeil & Meyers and sent a copy of the bankruptcy discharge paperwork showing XXXX XXXX had been included in our XXXX bankruptcy. They refused to take it off our credit report and said they could only comment it as a bankruptcy. We then disputed the debt through XX/XX/XXXX and XX/XX/XXXX ( XX/XX/XXXXdid not show it ).  This what we received fromXX/XX/XXXX which is how we started the dispute : Direct Dispute Past Dispute XX/XX/XXXX Completed MCNEILMYERS Reported on XX/XX/XXXX {$0.00} Item Results Result : Deleted - XX/XX/XXXXhas deleted the account or record from your XX/XX/XXXX credit report. 

Dispute Reasons Accuracy : This account is not a collection or charge-off. 
This account is included in bankruptcy. 
Dispute Results From XX/XX/XXXX XX/XX/XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

I just got a message today about a new adverse mark on my credit report and this same debt collector has entered this same incorrect information on my and my ex-wife 's credit reports, showing that it was closed on XX/XX/XXXX and our account updated on XX/XX/XXXX. My ex-wife checked her report and it is back on hers as well. 

My wife and I have since divorced and both of us are getting ready to buy new homes and this will obviously affect our ability to do so or to get a better interest rate. I want this entry removed from my credit and this company advised to stop adding it to my credit. It was not a charge off, it was discharged in bankruptcy and this company knows full well that is the case.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

On XX/XX/2018 a Notice of Sale was posted by the HOA management company, on behalf of Seterus. I  just want to know if it is common for the loan servicing company to have the building management company post the sale notice. Also, the notice was placed on XX/XX/18 with a sale date of XX/XX/18. However, I understood the notice to say that the Notice has to be placed at least 20 days prior to the sale. Is this correct?
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX loan has continued to report our home equity loan as derogatory or delinquent depsite giving us a COVID Forebearance plan. We have continued to pay the mortgage albeit after the grace period. For the past year we have at least 6 negative reports from XXXX loan, which we were informed should not have been if we were placed on forebearance. This has in turn affected our credit XXXX in a negative fashion. We are consequently being penalized for being affected negatively by COVID due to the loss of my husband 's job. Despite the fact that unemployment is less than what he would have earned if he was working in the XXXX industry we continued to keep the payments up to date and we were still reported by XXXX as a dilinguent account. I complained to them when making a manual payment to them via check, but received no response.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (UT)

This is for transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, date cleared : XX/XX/XXXX, for {$120.00} My bank is Zions First National Bank, routing : XXXX I went to XXXX XXXX  on XXXX XXXX XXXX XXXX, XXXX, UT on Sunday, XX/XX/XXXX, around XXXX XXXX, and checked out around XXXX XXXX  During checkout, I paid by using my Zions Bank debit card, and decided to take some cash back for {$100.00}. 
The cashier till drawer was empty, and she only had {$100.00} bill. 
She gave me a brand new, crisp, {$100.00} bill, and it was an old series {$100.00} bill from XXXX. 
She said, she only have this {$100.00} bill. 
I was going to reject it, and asked for the new series, but there were a long line already, and decided to accept it. 
The cashier at that time said, she just opened her line, and took the till from the safe room. 
Also I thought, hey the bill was brand new and crisp, just older series. Also it came from the `safe room`. 
VERY BAD Mistakes on my end! 


When I looked at the bill in more detail, on Monday, XX/XX/XXXX, I noticed the bill : 1. has a wrong security strip that says XXXX, 2. has wrong watermark, from XXXX XXXX  bill 3. on the back, right corner of the bill, there is still some shadow of {$10.00} written. 

I went back to the store the next day, but neither the store manager, nor the store loss prevention care a little bit. 
I called my bank, Zions bank, and they will not help either Apparently no one ( merchant, and the bank ) care about counterfeit {$100.00} bill at all. 

On the same day, I went to the XXXX XXXX XXXX - US Secret Service field office, because this is a big issue ( which unfortunately the manager of the store does not think of an issue! ). 
I gave the counterfeit bill to the agent, and she immediately recognized it as counterfeit. 
I explained the whole story, of what happened, where I got it. 

She gave me the receipt of the confiscation of the counterfeit {$100.00} ( it is attached ). 

I opened a dispute with Zions Bank, my bank, and they closed it as " no error occured ''??? And I need to resolve this with the merchant directly, even though the merchant simply will not resolve this issue at all.