davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (AZ)

All of my credit reports are showing twelve ( 12 ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " Mohela/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. Thus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance. I did request to be in Administrative Forbearance and my application was approved, which included a backdated Administrative Forbearance. The credit reporting agencies have said that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. In sum, the twelve ( 12 ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated.
Consumer complaint received 2019-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX XXXX Account REF # XXXX, XX/XX/XXXX ( 6 yrs., 9 months ), Term 300 months, Highest Balance {$7000.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

The account I C SYSTEM XXXX with Balance {$190.00} is reporting fraudulently on my Credit Report. I was a victim of Identity Theft and I never received any benefits resulting from the theft of my identity. I believe this account is the result of such crime since I never remember signing any documentation that ties me with company. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. I need this account to stop theri fraudulent reporting.
Consumer complaint received 2022-07-21
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : XXXX. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : XXXX. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : XXXX. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (KY)

I have tried numerous times to dispute a charge made by a timeshare resort called XXXX. I've attached a detailed letter that was included in our dispute, but it obviously fell on deaf ears. However, let me give you a brief description of our issues. We were sold a " right to use '' timeshare by XXXX, which turned out to have multiple false pretenses. We never were interested in buying a timeshare until they started talking about additional benefits that came with it. First, was the XXXX website. They told us all hotel booking sites get 20 % or more of the hotel cost. By being a member of the XXXX website, we would get to bypass this markup and save 20 % or more on all hotels. This seemed like a good benefit given we travel frequently. Once we obtained our website credentials, we quickly realized none of what they said was true. Almost every area you look to book a hotel is full price and in very few areas there might be XXXX or XXXX hotels discounted. They made a gross overstatement on this. Second, was the XXXX XXXX membership. We were told we would have access to rent houses at any time all over the world for a fraction of the price. Again, once we obtained our website credentials, we quickly realized none of what they said was true again. There are very few houses on the website and the houses are rarely available. Once again, they made a gross overstatement on this. And third, the golf program. We were told we would have access to private courses for a reasonable price all around the world, included in our hometown of XXXX, XXXX XXXX play golf, so that seemed like good benefit as well. At this point the only thing we have seen on this is a list of courses in their sale office. We even called golf courses on their list, and they had never heard it. So basically, they sale you on all these so called " added benefits '' that turn out to be useless. Interval should not even allow a sham company like XXXX to use their credit card when they blatantly lie to consumers.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I placed a fraud claim with Bank of America about a scam I was a victim of. I was scammed by a person claiming to be a Bank of America fraud department employee and lost funds in the amount of {$3100.00} I promptly made a claim with my banking institution, it has been 3 weeks. I do feel as if Bank of America is doing their due diligence to recover my funds and protect my finances.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (IL)

Experian once again has ignored all previous complaint matters. Per my last complaint about having no access to my online account ; I followed the instructions and faxed and mailed all documents the company requested. They have not responded but rather have sent back finally after about 3 or 4  months a dispute investigation I filed. I feel they are purposely denying me access to my account as the same as they are purposely putting the wrong address on the mail they send me so they can claim it was sent or lost. I am attaching a photo of the address the mailed the latest investigation report to me in which they have changed my address completely never have I put in my complaint or mail to them an apartment number in XXXX at the address provided. They have refused to restore my online account to experian. I sent them ALL documents and proof of verification they requested but in response they send a report from an investigation dispute filed months ago ....
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

XXXX what I just posted on XXXX : PLEASE READ AND SHARE THIS POST : SYNCHONY BANK is a vile corporation and a predatory lender of the ugliest kind. 

Yesterday they closed every store card I had with their bank. There had been no issues with payment. And I only learned of what was unfolding when I got a notice that my credit score had taken a deep dive. I lost {$30000.00} in valuable credit that had been available to me. 

Heres my story : I dont know why the accounts were closed except SYNCHRONY had an issue with one account. They decided suddenly that all my accounts were high risk and closed them all. I dont know what the issue was. 

They informed me that I was sent a letter about the issue but I never received it. 

I dont know whether the letter they was warning me or just notifying me of the closing of my nine accounts. Customer service couldnt access the letter but I was told they would mail me another copy. ( Since the Post Office has been crippled by the previous administration, who knows when or whether I will receive the letter. ) One account that I will really miss is my LOWES card, which had a high limit of which I had never taken full advantage. However I just purchased a house and was counting on my Lowes credit to help me fix it up. 

I worry that other banks will do the same shortly. And I would like anyone who has an account with SYNCHRONY BANK to CLOSE IT NOW. Better on your credit report that you close it than the bank does. 

By the way, I have heard recently that many of my coworkers have had their credit limits drastically lowered recently. But their stories do not compare to mine. 

I intend to complain to the XXXX XXXX XXXX and the federal Consumer Financial Protection Bureau. Please do the same if you have had a similar disastrous event. 

AGAIN, PLEASE SHARE THIS POST AND ADD YOU STORY IF YOU HAVE HAD A SIMILAR CRUEL EXPERIENCE WITH SYNCHRONY or any other bank. 

P.S. If a consumer journalist happens upon this post, PLEASE INVESTIGATE. 

My email is XXXX. My cell phone number is XXXX. Thanks for your help. 

This complaint involves multiple accounts. Here are the names and numbers of the other accounts : TJX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sams Club XXXX XXXX XXXX XXXX Amazon.com Store Card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Care Credit Ends in XXXX
Consumer complaint received 2022-07-21
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. (CT)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

I have tried to use this card over and over to by things and in store and it will not go threw that was have the problem to being with now they are now taking out fees for a card that I have never been able to use the card number for this card is XXXX the code for card XXXX it expires XXXX XXXX this is going into the second month and I have never even got to use there was a XXXX dollars on here and I want my money I am the one who told y'all it didn't go threw at XXXX  all y'all done was tell me something I told y'all
Consumer complaint received 2022-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Firstmark Services has the allocation of payments to be as follows : fees first, interest second and principal third. I payed {$50.00} over my minimum payment and firstmark did not put that {$50.00} towards my principle they put it towards my next minimum payment. I have reached out to them twice with absolutely no response. Firstmark is not honoring their agreement on how payments will allocated.
Consumer complaint received 2022-07-21
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2022-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

In reference to CFPB Complaint # XXXX, Credit Bureau Systems ' Compliance Director, XXXX XXXX , just admitted to violating my rights and Federal law since XXXX 

I have requested verification of this alleged debt, which she has failed to provide within the 30 days allowed under Federal law or in the past XXXX years. 

I have requested documentation with my signature on it, none has been provided within the 30 days allowed under Federal law or in the past XXXX years. 

Written notification was never provided letting me know that this alleged debt was in collections or going to be placed on my consumer reports in XXXX  or in the past XXXX years. 

So as I previously stated, XXXX and XXXX XXXX have violated my rights and Federal law and have done so for the past XXXX XXXX 

This is how things are done at XXXX. It's part of their Standard Operating Procedures to willfully and continually violate Federal law and peoples ' rights.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (NC)

Our policy holder incurred {$57000.00} in hospital expense in XXXX. We processed her claim and she paid the provider the amount that our EOB said was " patient responsibility ''. 
XXXX XXXX utilized XXXX XXXX XXXX hospital and she was not notified that the hospital was not accepting our payment until XXXX when she received a collection notice from Revco Solutions. 
We have written to them multiple times to explain why she does not owe this and the response was to take her NC tax refund in XXXX. 
Today, i reached out to the hospital billing that sent XXXX a notice that they had taken her tax refund. She received that last week. 

A provider has a responsibility to follow up in a timely manner just as we, the payer, have a responsibility to pay things timely. 
Had they reached out, we would have negotiated and come to a reasonable payment solution. 

I have all of the documentation regarding her case and am hopeful that you can steer us in the right direction. She is no longer my policy holder, but I told her that I would help. I have no direction on where to go next.
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

To whom it may concern, On Friday XX/XX/XXXX I received a phone call from someone saying that they were from Citibank fraud prevention explaining that my bank account had some fraudulent activity and they needed to verify the information so that they could resolve the problem and protect my assets. They explained that there was an attempt to use my debit card in XXXX and asked me if I had been there or if I was there at the moment, to which I answered no. They proceeded to verify my current address, my previous address, asking me if I had made some transactions with specifics dates and amounts. This transactions where correct. After asking all of this questions they said they were sending a code for security reasons, and that to verify my identity I needed to read it back to them. 

I never provided any personal information, bank account, social security number or username. 

After the call was over I decided to check my account and noticed that I had been locked out of it. That is when I called the bank, the bank notified me that there had been a wire transfer done to a XXXX XXXX  account. I notified the bank that that transfer was not done by me or authorized by me. 

The account number is XXXX. 

The case number from Citi is XXXX. 

The account to where the money was transferred is XXXX account # XXXX Belonging to a XXXX XXXX Routing number XXXX Police case number is XXXX FTC Report Number XXXX On XX/XX/2022, I spoke on the phone with XXXX team number XXXX, she instructed me that I have to get an affidavit signed with my information and that should be done in the branch. This is the first time that someone fro the bank has instructed me to take such action, even after I went to the branch to open a new bank account and brought a letter explaining the events that led to the fraudulent wire transfer. 

I have also been informed that they ( Citi ) are waiting on XXXX to return the funds. XXXX has asked the perpetrator ( scammer ) to return the funds. 

Thanks XXXX XXXX XXXX