davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TX)

Security Finance called mother who is listed a reference. They asked her if I was with her and my mom said no. My mom asked why, the representative told her I was past due 2 payments on my loan and have not made a payment and I need to make a payment on my account. The representative had no business telling my mom that I was past due or need to make a payment she violated FDCPA by releasing information about my loan without authorization.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank set myself and my significant other as " primary co-borrowers '', however I can not access the account as they say it is listed with his name first. I can not set up online access to the account, or billpay for electronic payment. they have already told me they reuse to change it unless I return the items I purchased and refinance them. 
They also have said it does not matter that when the account was created my significant other and myself both requested I be listed as primary. 
To make matters worse, this leaves me with only the option to wait for statements in the mail, of which they have informed me that the statement would be GENERATED on XX/XX/XXXX and would be DUE XX/XX/XXXX. and they can not guarantee mail delivery, and I should sign up for electronic delivery. I can not sign up for Electronic delivery because I am not recognized on the account since I am not listed first.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (CA)

I got my card locked from DirectExpress and its been 3 days straight Ive been on the phone up to 5 hours at a time and no answer havent been able to get a hold of anyone I havent been able to pay my rent or purchase any food
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (OH)

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
XX/XX/2021 unathrozied inquires fruad
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IN)

While in college, I signed a rental agreement for a property from XXXX XXXX XXXX, XXXX from Fall XXXX until Summer XXXX, then resigned a contract from Fall of XXXX until Summer XXXX. Although some of the people I rented with stayed in the house, I no longer was on the contract for the school year of XXXX. On XX/XX/XXXX, I received a notice from Hunter Warfield claiming I owed {$5800.00}, from XXXX XXXX XXXX, XXXX. The notice said the debt originated on XX/XX/XXXX, although I had not been notified prior of this amount due. The notice said I could dispute the claim by calling or writing by XX/XX/XXXX. After many failed attempts to call the collection agency, I wrote a letter on XX/XX/XXXX, asking the debt collections agency to work in accordance with the Fair Credit Act, The Fair Credit Billing Act, and The Fair Debt Collection Practice Act to provide all documented proof from the XXXX XXXX XXXX, XXXX which includes the signed agreement, along with all charges made and all payments, that says I owe the amount to the XXXX XXXX XXXX, XXXX, all accounting records of this account, a copy of the signed contract and signed truth lending contract I signed with the XXXX XXXX XXXX, XXXX, and copies of all orders made with this company. If these could not be verified, I asked that all debts be removed from my account. I also included an address and email the company could reach me at moving forward. After months of no contact, I received notice from XXXX XXXX that this debt was now on my credit report as of XX/XX/XXXX. I once again disputed this claim through XXXX XXXX with no prevail. On XX/XX/XXXX, I reached out to XXXX XXXX XXXX, XXXX, to get more clarification of this debt ; they refused to have any contact and referred me to the collection agency of Hunter Warfield. When I reached out to Hunter Warfield on that same day, I reiterated my request for debt validation as I had moved out in XXXX and did not have a running contract with XXXX XXXX XXXX, XXXX when the debt originated in XXXX. As of today, I still have not received a verification of this debt and am still receiving reports of it on my credit report.
Consumer complaint received 2019-12-11
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. (LA)

This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WY)

I paid off my student loans during 2020 in full {$3600.00}. I learned that I was eligible to request a refund for this amount due to laws surrounding student loan payments made during the COVID-19 pandemic. I of course also learned that I would be eligible for Biden 's student loan debt forgiveness which was since been blocked- but that is besides the point.

I requested a refund in the hope that I would eventually also receive debt forgiveness. Edfinancial said they were processing the request and I have periodically checked in on the process. Most recently I saw that my balance on my account had increased from {$0.00} to {$3600.00} and that they have reported this balance to all of the credit bureaus. I have not received a refund for the balance. They are claiming that I have a {$3600.00} balance but I have not received a single penny from EdFinancial or any indication that money is coming any time soon. I have corresponded with them and received blanket scripted answers regarding the student loan forgiveness program. This is an entirely different situation separate from forgiveness. This is regarding the refund aspect. They are currently fraudulently claiming I have the full balance on my account despite me not having received any form of refund.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

In XXXX of XXXX I received a collection letter from this scam company stating I owed money for tolls to the XXXX. I do not have an XXXX   account I have a XXXX account and all of my tolls are paid through my XXXX that has been on my car since it was registered. 

I asked them to validate the debt in XXXX, they couldn't and they stated they were closing my account. 

In XXXX I received another letter from them stating I owe {$160.00} with a " new '' account number on it. 

Once again I disputed the debt but this time they actually responded. 

Yesterday I received the attached " validation '' letter from them where they now claim I owe {$1000.00}. 

Somehow after I exercised my rights under FDCPA they added {$840.00} to the total they claim I owe. 

Either they have no idea what they are doing or they are purposefully trying to be deceitful and are violating both FDCPA and UDAAP. 

I have also attached my XXXX statements that show I had an account with them from XX/XX/XXXX and it was in good standing during the time frame they provided on this amateurish " Validation of Debt. ''
Consumer complaint received 2019-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

XX/XX/2019, I contacted Navient for my Son 's private Student Loan. 
II borrowed XXXX and now the Interest is so high it is triple now. 
I always call every month to pay. On XX/XX/XXXX and also in XXXX and XXXX, I had called to make sure payments were processed, on Two occasions when I called in XXXX, 2019 and XX/XX/2019, The representative stated My payments were current and I did not owe any money until the following Month .... 
So I noticed an email the very next day in XXXX, after making two payments to get caught up ... .and over the phone the representative said, " You are current '' nothing is due until next month ... .. 

So same thing happened in XX/XX/2019. I gave a payment over the phone. 
The next day and over the phone I continued to have emails, and phone calls stating that i owe two payments ... ..When the Rep said, I was caught up. 
So I called them back to speak with a Manager, and the Manager stated that they never received my payment. I gave them my payment over the phone and they said, I was caught up. I checked my bank account, but the payment was never taken. 
So I had to call them back in XXXX and do everything all over again ... ..Because the previous payment was never processed. In XXXX, I made two payments and they did go through ... ... but they stated that I still owed them money even though they Explained " I was all caught up ''. Then emails and phone calls keep coming in saying I did not pay. Thank you. XXXX XXXX
Consumer complaint received 2023-01-17
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: Credit Karma (MD)

XXXX XXXX wrongfully used my credit score and boosted it higher. They also have a bank account feature I signed up for that hit my credit score. I receive emails and text from 3rd party lenders from credit karma that I havent signed up for. The mobile app will state high approval odds for cards to get me to sign up and which would then further decrease my credit score.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WFDS XXXX**** Balance Owed : {$8000.00} XXXX  XXXX**** Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-02-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX AUTO XXXX / 30 DAYS LATE IN XX/XX/XXXX AND XXXX XXXX AS WELL AS 90 DAYS LATE IN XX/XX/XXXX. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-09-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For almost a year now, I have been requesting that the credit bureaus perform a reasonable and thorough investigation into several unverifiable accounts that they are inaccurately reporting on my credit report. I have asked for verification of their legitimate authority to CONTINUE reporting INACCURATE, UNVERIFIABLE information and they have failed to respond to over 10 requests that I have made. When I check my report every month the notes on the accounts states that the accounts meets FCRA requirements, but have failed to supply proof substantiating that claim. These errors are preventing me from being able to obtain suitable employment, and have impacted me being able to obtain credit and financing.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I had federal student loans serviced by Fedloan. 

XX/XX/XXXX : I paid them off in full during the pandemic pause. 

XX/XX/XXXX : When I heard that those who made payments/ paid off their loans during the pandemic were eligible for a refund on those payments, I called Fedloan to request mine. I was told by the rep that my request was submitted. 

XX/XX/XXXX : I called Fedloan to follow up with my refund. Was told that my refund was never processed and then had it re-submitted over the phone. A couple weeks later when I called to follow-up. After entering in my information there was an auto-recording saying that my loan payment refund request was submitted on XX/XX/XXXX. 

XX/XX/XXXX : Again, called Fedloan to follow up. This time, the audio recording said that Fedloan no longer serviced my account and that I had been transferred over to XXXX. I tried to create an online account with XXXX  - but after creating a login and entering my info- I received an error saying that there was no loan information for me. I called XXXX and was told that Fedloan transfers won't be appearing until XXXX. 

Since then I've called multiple times and tried accessing my account multiple times to no avail. I want to know where my refund is and when I'll get it.
Consumer complaint received 2022-11-11
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. (NC)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-17
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (ID)

This complaint may have to be handled by the Federal gov. This is about holds made on out of country purchases and especially the amount of time held to clear money being held. I made purchase out of country and someone took out the full amount plus charge for doing purchase then XXXX hours larer took out the actual amount and now gets to keep the first withdrawl for 10 days without paying interest and most important locks up that first withdrawl so I can not use funds for 10 days. If I had {$1000.00} in my account and bought something for {$500.00} and this practice takes out {$500.00} plus their fee to hold then when they do take out the original purchase there would only be {$490.00} in account. If a check can be cleared in XXXX hours so should debit cards. This happened with US BANK but it sounds like other banks do the same.
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc. (PA)

I was a victim of Identity Theft in XX/XX/2021 with XXXXl accounts from multiple banks being opened in my name. I immediately reported it and started tracking my credit report and the fraudulent accounts to shut them down. UpstartXXXX opened an online account and made a fraudulent loan in my name with no effort to verify or protect my identity. I never opened this loan and I certainly did not accept the terms and conditions of said personal loan. They use no ID verification service, they requested no photo ID or other method of verification. Because they are online only, they never sent a copy of the loan by mail - that would have alerted me to the fraud. I didn't learn about it until 3 months later when I got a notice of default on the loan ( by mail, so perhaps they do send things to consumers ). Now I want to refute my liability for the loan that I never applied for and never received the funds, and it is difficult. Upstart 's ability and support in this area is lacking. They don't call you back and have not been helpful. I did recently receive a package with the loan details from them, but now they want my photo id, police report and FTC file - all which I have but it's infuriating that the burden is on the consumer to fix their broken process for making a fraudulent loan. Maybe they could have asked for photo ID when the fraudster opened the account? ... or made any effort to verify the identification? In addition, there are accounts attached to this loan that I don't recognize, but Upstart tells me that I need a subpoena to get that information. ( I need that information to likely shut down those accounts that were also opened in my name/SSN without my knowledge. ) How can an institution give a sizable loan without confirming the identification of the person applying? Where are the protections for consumers? Identity theft and data breaches are massive problems and Upstart doesn't seem to have the procedures in place to verify borrow identity and protect consumers. Furthermore, the lack the process in adequately supporting consumers when fraud does occur. 

Lastly, XXXX ( who is the actual creditor ) has a relationship with Upstart for their 3rd party personal loan processing and they have been absolutely horrendous to deal with. No identify/theft support at all. " Security '' people don't actually talk to customers and they made the loan ( through Upstart ) but have zero support to assist in the fraud investigation. The documents I received say Upstart/XXXX on company letterhead, but they have no process in place for fraud support and can't even look up the loan ID.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CT)

I have a discover credit card which is closed few years back as charged off. 

I recently fully settled this account 3 months back making payment calling to the discover customer service. 

They have not reported to credit report, it still shows account it charged back and there is a balance of {$1400.00} Last four of SSN : XXXX