davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

My credit limit was lowered without provocation. I have never made a late payment on my account. They claim they reviewed my credit and my score was low but lowering my limit makes it even lower! This is the second card that they did This to me with. Despite have a great payment history with them. Even paying off cards with them. Synchrony bank did this and they are Engaging in anti-consumer behavior and discrimination. No believe this was done because I am XXXX. It is suspicious that now that my available was increasing, they lowered My limit to make me look even worse!
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

When opening the account, I was on a joint account with my dad. He handled any issues that came up. However when I got a basic checking and savings a few years later I put a large amount in to move where needed. They were extra fees immediately afterwards and if it was paid by the day another fee of $ XXXX was added to my account. I had asked multiple times how to remove it or leave the bank. I had to pay hundreds in fees and they still said I owed money. It has affected my trust and relationships in banks since then. And having a first relationship with credit it has ruined a lot for me. Im still building to this day to get to where I should have been without Wells Fargo.
Consumer complaint received 2021-11-02
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: CREDIT ACCEPTANCE CORPORATION (OH)

I am not an attorney or third party rep. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am questing some accommodations so I care to protect the integrity of my credit file. 
CREDIT ACCEPTANCE CORPORATION # XXXX account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Foreman Financial Inc. (CA)

I received a car loan for which I made two years payments for, on a three year loan. After the car was impounded in 2013, I attempted to work with Forman Financial and their collections department, and was told loan docs and payment history would be sent so we could work out a payment plan. However, the documents I requested were never received and the loan was charged off. I would like charge off removed and the amount reflected in the report to show what was owed after the two years payments and XXXX down payment. I am also requesting copies of the loan documents and payment history. Also my credit report shows that they recently increased the loan amount.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This letter is formal notice that you have failed to respond to my dispute letter as of today. I sent several letters to you disputing the validity of the following accounts on XX/XX/2023 XXXXXXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original request. 

Please delete this erroneous items from my credit report as soon as possible. Best Regards
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

XXXX  XXXX put on my credit report a charge off that belonged to my son. He was scammed In his checking account and his account had a balance. I reached out to XXXX  XXXX to tell them I didnt know his account was scammed. Hes XXXX and I helped him open it at XXXX. I paid the {$1800.00} he owed and it was suppose to be removed from my account since I wasnt aware it went to collections and he was scammed.
Consumer complaint received 2024-02-27
Product: Credit reporting 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. (PA)

HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE 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
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE XXXX XXXX XXXXXX/XX/XXXX TO XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO XX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

HELLO THERE WAS SOME INQUIRIES ON MY CREDIT I DID NOT AUTHORIZE IM SENDING OVER MY FRAUD IDENTITY THIEF REPORT CAN U PLS REMOVE THESE XXXX XXXX  XX/XX/XXXX TO XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

I am writing to file a formal complaint regarding a troubling experience with XXXX XXXX XXXX, which has resulted in erroneous credit reporting and unfair billing practices. I received a notice in the mail from CCS collecting for XXXX XXXX XXXX stating that I owed them a certain amount. The notice provided an option to make a payment online, which I promptly did to ensure timely payment of any outstanding obligations and to avoid any negative impact on my XXXX XXXX. 

However, upon logging into the online portal, I discovered that the amount displayed was lower than what was indicated in the notice. Despite this discrepancy, I proceeded with the payment on the same day I received the notice, as I am diligent about paying my bills on time and did not want any adverse effects on my XXXX XXXX. 

I consulted with my accountant, who confirmed that I did not owe any funds to XXXX XXXX XXXX. With this information in hand, I initiated a dispute with the XXXX XXXX agency. Additionally, I reached out to XXXX XXXX XXXX directly and provided them with a declaration page of my insurance coverage, proving that I had the necessary coverage they were attempting to collect from me. They acknowledged their error and promptly issued refunds to me. 

XXXX XXXX XXXX assured me on multiple occasionsover XXXX timesthat they had contacted the XXXX XXXX agency to request the removal of the erroneous entry from my credit report. Despite their assurances and my provision of evidence demonstrating that I never owed the debt, the incorrect information continues to be reported on my credit profile. I started trying to resolve this in XXXX and we are now at the end of XXXX. 

I find it unacceptable that despite XXXX XXXX XXXX acknowledging their mistake, issuing refunds, and providing documentation to rectify the situation, they have failed to follow through on their commitment to remove the erroneous entry from my credit report. This has had a detrimental impact on my XXXX XXXX and financial well-being. I also sent in the mail and faxed the agency all of my disputes, proof of refunds and insurance paperwork. 

I am deeply troubled by CCS collecting practices, which involve sending notices that direct individuals to pay online before allowing any period for disputing the issue. This practice is unfair and undermines consumers ' rights to dispute erroneous charges. 

In light of the above circumstances, I am formally requesting the following actions : Immediate removal of the erroneous entry from my credit report CCS. 

I appreciate your attention to this matter and trust that you will take appropriate action to address these concerns. Please provide me with updates regarding the resolution of this issue. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (LA)

Dispute Letter to Credit Collection Services Company LLC and CFPB Complaint Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/2024 Credit Collection Services Company LLC XXXX XXXX, State Zip Code RE : Dispute of Debt and CFPB Complaint Notice Dear Credit Collection Services Company LLC , This letter serves two purposes : Dispute of Debt : I am writing to formally dispute the debt you are attempting to collect from me. I am unaware of this debt and have no recollection of incurring it. 
CFPB Complaint Notice : I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your debt collection practices. 
Debt Dispute : I have not received any prior communication regarding this alleged debt. 
I request written validation of the debt, including the original creditor, the amount of the debt, and the date the debt was incurred. 
Additionally, I request a copy of the purchase agreement between you and the original creditor, along with proof that Credit Collection Services Company LLC is licensed and bonded in my state. 
CFPB Complaint : My complaint alleges that your debt collection practices violate the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : 12 CFR 1006.34 ( b ) ( 5 ) : I have not been given the opportunity to dispute this debt. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I did not receive proper notification of this debt. If you believe I did receive notification, please provide a copy of the certified receipt with my signature. 
12 CFR 1006.34 ( d ) : You have not ceased communication attempts despite my request in writing. 
15 USC 1681 - 2 ( 7 ) ( a ) : You have not responded to previous attempts to communicate regarding this debt. 
Request for Response : I demand a written response to this letter within 15 days of the date it is received. Your response should include the validation information requested and a confirmation that you will cease all communication attempts until this dispute is resolved. 
Please be aware that your silence will be considered acquiescence to my claims. 
I will also be filing a complaint with the CFPB regarding these violations. You can find more information about the CFPB 's complaint process at https : //www.consumerfinance.gov/. 

Sincerely, XXXX XXXX XXXX Note : I have included the relevant code sections from the Fair Debt Collection Practices Act ( FDCPA )
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (NY)

As per our mortgage agreement with PenFed, it is the fiduciary responsibility of our mortgage servicer to properly accrue and submit tax payments on our behalf. Penfed and their partner XXXX were deficient in this responsibility which resulted in an escrow account underage. 

We contacted PenFed in XXXX to alert them to an error we identified with our escrow withholding. This was not a timing issue, but an error. PenFed did not correct this error which resulted in an escrow account balance underage that we continue to be asked to cover. 

When we brought this error to PenFeds attention in XXXX, it was their responsibility to investigate and correct. In XXXX, Penfed insisted that their calculation was correct and our concerns were baseless. As the concern we raised ultimately was validated, it appears that PenFed and XXXX failed in their responsibility to properly investigate our account, or the investigation was inadequate. 

Our concern was proven valid after PenFed stated the withholding was accurate. This is evidence that PenFeds conclusion of the underage being caused by a timing issue resulted from an inadequately performed or not performed investigation. 

To state it clearly, this was an error by PenFed and/or XXXX. They failed to properly investigate the concern when it was brought to their attention in XXXX which only compounded the error. The issue could have been remediated in XXXX when it was initially brought to their attention, but instead is still impacting our payments in XXXX. 

In XXXX, XXXX we were again alerted to an escrow shortfall that we are being asked to cover.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a bank of america credit card. I have not had any late payments and I always pay more than the minimum. I did have the card close to the credit limit and I do have cash advances on it. While looking at my statement from about six months ago at a time when it was close to the max limit to now where there is a XXXX  XXXX dollars of credit available, I noticed that the my payments which are always over the minimum are not being applied to the higher interest cash advance. Its easy to see this as my cash advance available limit is {$4500.00} and although now I have close to {$2000.00} of available credit currently only about {$50.00} is available for cash advances. So in the past several months, an example would be my minimum payment amount is {$250.00} and I pay {$500.00} but the additional {$250.00} over the minimum is not being applied to the higher interest rate cash advance portion of my bill. This obviously causing more interest for the bank and costing me more money and my balance to actually go down slower.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Continental Finance Company, LLC (NY)

According to Law FRCA section 605B it is illegal to report information on my credit report without my knowledge/permission. I never opened an account with this lender. All info is fraudulent. 
Please remove this from my credit report now. Thank you.
Consumer complaint received 2021-11-02
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: World Acceptance Corporation (MS)

XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated attempt through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

This complaint is regarding Equifax not investigating the data I have sent them regarding a debt that XXXX XXXX XXXX claims I owe. 

I have opened 4 complaints with equifax regarding a debt that is attempting to be collected by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they don't have any documentation regarding the debt, and they will not be reporting this debt to the credit agencies. This was after I combed through medical record to see if I'd ever visited this facility and contacted my medical insurer XXXX to see if anything had been submitted to them. 

I have filed 4 disputes with Equifax providing that letter, my original letter from the collection agency, with the certified mail receipts from each. Equifax has closed each of these advising that I owe this debt. Those dispute numbers and dates are : Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX ( After I received letter from collection agency stating they would not report to Credit Agencies and  provided that to Equifax ) Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Each of these disputes were closed stating that Equifax found that the debt was mine. I contacted Equifax via phone this morning asking what data they had been provided to support the debt was mine, and I was advised they have received nothing from the collection agency. 

They did acknowledge they had received the previous letters I'd submitted from the Collection Agency stating they would not be pursuing this matter until they could provide additional documentation. Equifax closed each of these disputes without reviewing the 7 pages of documentation that was submitted with the dispute. 

The response this morning was to open another dispute : Dispute # XXXX I was advised they would investigate again and put a note on the account that I have previously provided documentation and it was on my records.
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I am a victim of the scam and I want both Zelle and XXXX XXXX to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the XXXX XXXX account of the mover named " XXXX XXXX '' via Zelle ( Zelle Transfer Conf # XXXX ; XXXX ), which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted Zelle and also XXXX XXXX about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at XXXX XXXX got blocked. However, neither Zelle nor XXXX XXXX has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX XXXX XXXX XXXX response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's XXXX XXXX account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.