davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (GA)

For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (WI)

We received two packages in the mail, one each from XXXX XXXX and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I XXXX  it came back as a fraudulent : XXXX. I simply want the accounts closed. I've worked with the local XXXX, law enforcement and identity theft.gov and still the accounts are open.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (FL)

A few days I opened an account with SoFi, transferred {$500.00} into account. 
I deposited 3 checks totaling approx. XXXX. 

Today I get a notice that they froze my account due to fraud alert and suspicious activity and I should call a specific number. 

I called that number but they don't take calls! only voicemails. 

It's crazy that they can suddenly freeze my account without providing a reason supposedly " for my safety '' and then not have anyone reachable to tell me what's going on and why!
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NJ)

18 months of covid forebearance ended XX/XX/XXXX. I was unable to return covid documents Sent XX/XX/XXXX in time for covid forebearance option. Flagstars human FAQ tells me I'm getting a new review and not to make payment XX/XX/XXXX. XX/XX/XXXX I get a call saying a new review hasn't been instituted. Covid forebearance options are no longer being offered, and not I am officially late on my mortgage.
Consumer complaint received 2022-01-11
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: Verisk Analytics Inc (FL)

On XX/XX/2020, I sent a correspondence letter to LCI requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from LCI, dated XX/XX/2020 informing me that Lundquist Consulting Inc ( LCI ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information LCI reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to LCI identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

XXXX collects date from XXXX XXXX and LCI for public records. XXXX XXXX is regulated under the FCRA but LCI is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is LCI not being regulated by the FCRA then? 

LCI 's website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact LCI if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on LCI 's website, they EXPLICITLY state " LCI DOES NOT MATCH BK INFO TO XXXX CREDIT FILES '' ... ..So, how does XXXX consider this information verified if LCI is stating they do not verify such information? 

Also, why is XXXX reporting LCI to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can LCI report anything to XXXX on a consumer if they are being recognized as a reporting agency?
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP (NH)

I don't consent to yearly hard credit pulls as it hurts my credit. Most mortgage lenders only do soft pulls or reviews. By KeyBank doing yearly hard pulls, they are destroying my credit score which is counter intuitive to their purposes, unnecessary for them, and damaging my financial status. I just had a hard credit pull by KeyBank and I want it removed and any future ones without a good reason, to be soft pulls.
Consumer complaint received 2022-10-17
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. (VA)

In accordance with the Fair Credit Reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OR)

Last couple days of XXXX I noticed unauthorized charges. I contacted bank the y said that I could do anything until the cleared account try contacting merchant. More and more charges showed up they continued to say the same thing. I got them to block the merchants I thought but they kept coming in XXXX I saw a charge from XXXX contacted them luckily nothing had shipped and they marked the charge as fraudulent and told me to contest threw my back on XX/XX/XXXX th I was told I would have to wait for the charges to clear after the holiday this time however the put a complete hold on the account. After the holiday they cancelled old card sent a new one told me I had to wait for last two charges and that I had to show I'd had made a good faith effort to contact merchants for reversals. Finally XX/XX/XXXX they said they where sending paperwork in would have to sign and return within 10 days for provisional credit the paperwork didnt arrive in mail till the XX/XX/XXXX at which time I signed and faxed back. I called to let them know and they said it was processing and to call back in a few day for provisional credit. Few days later I called again and was told they had just received my fax on XXXX and in would be a few more days for processing. Few more days I called and was told no fraud had been found case was closed. I didnt understand how that was possible they never even spoke to me nor did they contact legecy who was willing to refund it back. I called again was told it was closed by mistake send paperwork I. Again this time I enclosed emails from XXXX and fax showing faxed on XXXX. Was XXXX to wait a few more days for processing. Called back was to the just received fax call back more day called back money who said that they had just received fax that day and call back in a few day. Called back next day was told I would receive a letter in a few day or a week and that they had no information to give me nor had the contacted XXXX  who had been waiting since XXXX for the to charge back. They refused to even tell me what information I need to provide them let alone what they actually do in these so called investigations.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (DE)

On XX/XX/XXXX I financed a vehicle with Ally Financial Inc in the amount of {$17000.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was a victim of a motor XXXX XXXX having XXXX the car. As of XX/XX/XXXX Ally Financial was paid in majority leaving a balance of approximately {$3500.00} XXXX XXXX XXXX XXXX XXXX covered roughly {$2000.00} XXXX XXXX XXXX Leaving a balance according to Ally of {$1200.00}. I have attempted on numerous occasions to seek information as to my loan application, amortization schedule on my loan, itemized billing statement with no response or simply indicating they arent able to speak to me and need to go through my attorney and he has not received my information either. I sent a letter to Ally Financial on XX/XX/XXXX with my concerns of their balances and credit reporting. Ally is reporting that no payments were made on XXXX occasions as of XX/XX/XXXX. They continue to go back and forth with their information being reported on my credit such as ( Current payments from XX/XX/XXXX through XXXX of XXXX, then switching to NO payments made on XXXX XXXX and XXXX of XXXX, to unknown payments XXXX of XXXX through XXXX of XXXX and current payments from XXXX of XXXX through XXXX of XXXX. These misrepresentations are continuing to drop my credit scores impacting my ability to open various loans. The loan has been closed for going on 3 years now and they are reporting negative histories which should have never been reported. I havent received documentation from them with the facts of their reporting balances and information of where its coming from even when I have called and wrote to them.
Consumer complaint received 2022-01-11
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have submitted complaints on the XXXX  website and they close my cases, but do not resolve. I have requested Fedloan payment history from the. new loan servicer XXXX but they replied that Fedloan did not transfer that over. The Fedloan payment history disappeared. I am a victim of Fedloan and XXXX XXXX adding on capitalized interest amounts to my principal loan balance to prevent the loan balances from ever going down. I borrowed {$63000.00} in XXXX XXXX loans for my daughter, XXXX XXXX. I have paid {$56000.00} ( could be higher ). The unpaid balance is {$48000.00}! This is due to both XXXX XXXX and Fedloan adding on huge amounts of capitalized interest at repayment, during forbearances, and after I paid ahead {$25000.00} and was told by Fedloan that no payments are due until XX/XX/XXXX. Then in XX/XX/XXXX, Fedloan added on {$5000.00} of Capitalized interest. I have a letter from Fedloan dated XX/XX/XXXX disclosing loan repayment terms. On page 2, under Anticipated Interest to be Capitalized : it states " Not Applicable ''. However, Fedloan added on Capitalized interest after this date, and before this date. I am XXXX years old, and retired from XXXX XXXXXXXX XXXX I worked XXXX  years for the XXXX XXXX That should qualify for public service forgiveness in itself.

Sadly, the Administration and Dept of Education has overlooked retired XXXX XXXX  who gave a lot more than XXXX  years of working for the XXXX XXXX 
There is no record keeping available for payment history. All the payment history has disappeared online. The Dept of Education has been looking at eliminating interest capitalization on federal student loans. I am aware of issue paper # 3 Interest Capitalization XX/XX/XXXX I am a victim of this interest capitalization. XXXX XXXX added on {$14000.00} of capitalized interest to my principal balance when these loans initially entered repayment! Fedloan added on capitalized interest multiple times : {$1400.00} on XX/XX/XXXX during a forbearance. They added on {$5000.00} in XX/XX/XXXX after telling me month after month that NO PAYMENTS are due since I paid in excess. My loans need to be cancelled. I want my complaint sent directly to XXXX XXXX. I am a good example of a retired XXXX XXXX  drowning in XXXX XXXX loans because the loan servicing providers were abusing capitalized interest. My XXXX XXXX  pension is 50 % of what my salary was. The answer is not applying for an XXXX loan. I can not be paying these loans back another XXXX  years when I am XXXX years old. I have already paid back over {$56000.00} for just XXXX XXXX, and only borrowed {$63000.00}. My loan balance can not still be {$48000.00}. I have submitted cases on XXXX XXXX. I have requested payment history from Fedloan and XXXX. I have received nothing. I want the XXXX to see this complaint, and the Department of Education. Also, President Biden should see my complaint. Thank you
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I do not or have not ever lived in North Carolina my ex-wife and her family is from there but I have never lived there I have never been there but yet I keep getting hard inquiries from there I believe that my ex-wife is using my information.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed and attempted multiple times to remove the below incorrect personal information on my credit report. This below information does not belong to me and needs to be removed immediately with all inquiries and accounts that utilized this information. 


Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

On XX/XX/2022, I received an alert from my credit monitoring services ( XXXX ) advising me that a new inquiry was placed on my credit report. Upon reaching out to them and then reaching out to DISCOVER while in conference call. It was determined a fraudulent credit card application was submitted and approved in my name for the amount of {$6000.00} USD. DISCOVER went ahead and cancelled the account and informed me that the card application came from a offer via mail. They said they were closing the account and the card wouldn't be shipped out since we caught it in time. It's worth mentioning this is the second time a similar incident happens with my identity and the same bank. The first time, a checking account was opened in my name a few years back. 
XXXX Theft case # XXXX.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (AZ)

my complaint is because of the following This transfer company named Remitly keeps my transfer every time and when I cancel it it keeps my funds for 15 or more days my money is not returned immediately and this happens to me often the last transfer with that problem is the number XXXX XXXX XXXX XXXX for an amount of XXXX Dlls. made on XX/XX/XXXX of this year
Consumer complaint received 2019-07-22
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. (FL)

XX/XX/19 I sent in a letter to Equifax indicating discrepancies on my report. I sent a screen shot of those discrepancies so there was no dispute about what I was questioning. Instead of deleting the account as they should have for there was factual disputes, they updated their system to reflect the discrepancies that I provided. 

Because of the neglect in ensuring everything on my credit report is accurate and to date they should have deleted the information and not updated based upon the information I sent.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliver Adjustment Co. (WI)

When I called the number for this creditor they said they weren't aware of I XXXX XXXX and I don't have an account with them so unfortunately I don't know what else to do. This creditor is unknown and I never owed this company well so ever.
Consumer complaint received 2019-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Dispute filed in XX/XX/XXXX or so As of an hour ago. About XXXX XX/XX/2019 chase reverted the chargeback claiming I made the transaction XXXX Called XXXX and they claim the item purchased was a XXXX XXXX XXXX. 

The XXXX XXXX phone is a {$890.00} before tax purchase and my purchase that I claimed was {$420.00}
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MI)

Last year I went to SEE optical to purchase glasses, without my knowledge they opened a credit account in my name and charged the glasses on that account. I then left to work in XXXX, when I returned a few months later Synchrony bank contacted me and told me I owed {$1300.00} for the glasses so I told them I wanted the account paid in full and to close the account, I then returned to XXXX and upon returning 4 months later they told me that my account was overdue {$3.00} and they submitted a late payment to XXXX. I paid the {$3.00} and requested that they ask XXXX to remove the late payment from my credit record but this never happened. I've contacted each institution 3 times requesting to remove this and each time they tell me they will submit a request but nothing happens. This is the last correspondence from XXXX. 
Account Dispute Update XX/XX/2019 We have an update about your Account Dispute The dispute for the account with SYNCB/SYNC BANK CARD that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Synchrony did not close my account when I told them to do so and then charged me {$3.00}. They stated several times that they would get it removed but never do so. They will not give me my account number because the account is closed. This has decreased my credit score 80 points and is severely effecting my life in a negative way.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I provide a digital software development service online client paid me an amount after getting service, PayPal put a hold on that payment don't know why I thought there is some mistake so I refunded the amount and asked my client to send the money again he sent payment again now again PayPal put a hold on that money and charged my client twice for a single payment. Now after getting my payment confirmed by the client they closed my account. Now they are not even letting me refund the amount to the client so that I can ask my client to pay me through another source. I have not been able to get help from them. I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Reference ID : XXXX