davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2021, Paypal made unauthorized transaction causing a negative balance of {$130.00}. XXXX XXXX XXXX XXXX, XXXX, XXXX , VA XXXX ; has filed a false claim with XXXX XXXX once XXXX XXXX XXXX his false claim, an unauthorized user deducted money out of my account. 

Paypal has held funds from every transaction illegally under the electronic funds act.
Consumer complaint received 2020-07-22
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: SYNCHRONY FINANCIAL (AR)

This complaint is about Synchrony Bank and PayPal which used my credit report without my consent. What occurred is that Synchrony Bank indicated that they could not approve my PayPal account because it was not accessible, but after setting up payments for my daughters to pay two of her accounts which was XXXX XXXX and XXXX off in XXXX of XXXX Synchrony got access to my credit report then without my consent and added this account to my report in XXXX of XXXX. What occurred in XXXX and XXXX of XXXX XXXX requested for me to uploaded my DL and SSN because they claim something was wrong with my account which I did upload both of my DL and SSN number on their site through their resolution center. All this occurred and I just realize what all three companies did after my daughter applied for an apartment in XXXX of XXXX, which I set up payments for both my daughter 's account to be paid off for XXXX XXXX and XXXX. Not once did PayPal said anything about transferring an account to Synchrony Bank until I realize it was on my credit report.PayPal that issued my account was through XXXX XXXX  and the base of the company was in XXXX XXXX California and XXXX Nebraska. After repeatedly asking XXXX how the use the information to come up with their investigation XXXX refused to give me the information and still have not received the information to this day. Now Synchrony Bank has just transferred this account on XX/XX/XXXX, to a new account but the other access to the statements I do not know what the account number is and never has known what the account was on the statements from XXXX of XXXX until XXXX of XXXX, which I think the account was actually in my daughter 's SSN. PayPal did this back in XXXX, in which a police report was filed back then someone opens a fraudulent account back the report number XXXXSo after PayPal requested my information in XXXX and XXXX of XXXX I filed another police report again in this same matter XXXX. This complaint is about XXXX XXXX, XXXX, and Synchrony Bank. This has been a 19 years process when I worked for XXXX XXXX XXXX after being laid off for a week I went back to work with my daughter 's SSN in the credit bureaus and changed at the Internal Revenue Service downtown XXXX XXXX XXXX XXXX XXXX Texas XXXX. Now XXXX has sent out 4 letters that I am not in their system. Now XXXX stated they can not find me in their system either. XXXX  sent out a letter in XXXX stating that there is no report found for me. On this day of XX/XX/XXXX XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (IA)

In the state of Iowa, debt collectors are restored by law to state, " This is an attempt to collect a debt. Any information collected may be used for that purpose. '' This caller, Williams and Fudge, initially contacted me on XXXX/XXXX/XXXX, and did not state that legally obligated statement. Instead, they acted like they could not hear me and repeatedly asked if I was a certain person. I answered yes, and they immediately hung up. What has followed has been months of phone calls from spoofed local numbers ( including my own number calling me ), from Williams and Fudge : Dates and number of calls : XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 7 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 1 They have now added a relatively small collection amount to my credit report without ever having notified me that such a debt was owed. I believe my rights have been violated by Williams and Fudge.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

N accordance XXXX XXXX XXXX XXXX account # 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 a account without my written instructions.
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Received an electronic statement from my Federal Parent Plus loan servicer NAVIENT. The statement details that accrued, unpaid interest can ( after a grace period ) be tacked onto the principal. Nowhere in the statement is there language about forbearance on Federal Loans of accrued interest due to the CARES ActCOVID-19 Relief. I asked the rep from NAVIENT on the phone and he said in fact the accrued interest will not be added to the principal ( missing from the statement ) and that it will just be an unpaid balance added to the principal & not subject to interest charges. He said the interest listed was accrued prior to XX/XX/20. 
My complaint is the average consumer receiving this statement ( absent contacting NAVIENT XXXX would have no idea that the accrued interest listed will NOT be added to the unpaid principal and subject to additional interest charges. This is based on the reps statement and nothing in writing to date. I filed a formal complaint with NAVIENT. 
This lack of specific language seems very vague & deceptive. In addition, there is no language in this statement regarding the affect of COVID-19 relief on consumers loan balances with the servicer. Thank you.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (FL)

This account was opened in my name without my authorization. I don't recognize the reported account ending in XXXX listed as a charge-off on my credit report. This is a request for the account to be deleted from XXXX  XXXX, & XXXX. I asked Barclays Bank Delaware to validate with a contract for proof of signature, this doesn't exist.
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WI)

An account named ERC or Enhanced Recovery Co L has fraudulently reported a debt through what is listed as XXXX in the amount of {$440.00} to my credit report on XX/XX/2020. I have no prior acknowledgement of this account and received zero communication or information from ERC or XXXX prior to this debt collection landing on my credit report. I have been a victim of fraud and theft of my personal information including my social security number in the past. I know 100 percent this account is fraudulent. When requesting information regarding this account through ERC the employees became hostile and refused to provide any information to me as to the legitimacy of this account. I also have no documents of this account aside from it being listed on my credit report.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (MD)

In XX/XX/XXXX, my current mortgage company, Mr. Cooper stopped reporting my payment history to the credit bureaus. I have made multiple attempts to get the information corrected and on my call today, XX/XX/XXXX, my mortgage company advised the reason they discontinued reporting to the credit agencies is my co-borrower had a bankruptcy in his history and they were not allowed to report to the credit agencies. My co-borrower 's bankruptcy was discharged over 10 years ago, prior to my servicing being transferred to my current mortgagor. My mortgage payment history was reported to the credit bureaus from XX/XX/XXXX until XX/XX/XXXX, during and after the discharge of my co-borrower 's bankruptcy. I advised that I am not a party of the bankruptcy and have no other joint debt obligations with my co-borrower who is my sibling. My mortgage company advised me the only way to get the mortgage payment history reported to the credit bureaus is to either refinance or have my co-borrower reaffirm the debt with the bankruptcy court.
Consumer complaint received 2020-07-21
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I applied for payment suspension with my mortgage holder Wells Fargo in XXXX. I was immediately approved for 3 payment suspension which I was told could be added to the back of my loan. I received a letter in XXXX saying my time was up and I needed to call and make a decision on ending the forbearance program. I called and opted for a partial claim which adds the payments to the end of my loan. That call was in early XXXX, by XX/XX/XXXX I hadnt received any paperwork and called to ask about it. They said my forbearance had been extended through XXXX and asked me all the same questions about what I would like to do and I said partial claim. They said the documents would be mailed and I would need them notarized. They never came. Late XXXX I decided to purchase a second home condo, knowing that the forbearance would be over by XX/XX/XXXX which is when Wells Fargo said I would need to resume payments. They never accepted my choice to get out of forbearance and told me if I paid my loan up to date the payments would register as late and all late fees would apply. I called frantically XXXX XXXX to try and rush the partial claim with no success. Employees bounced me from the home preservation department to the executive department and back 10 times. They said things like were going to escalate your case and were going to research this matter but no one has been able to help me. Now I will lose the contract for my condo because the word forbearance appears due to Wells Fargo enrolling me unwillingly into another 3 months of payment suspension.
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (TX)

In the 3+ years we've been with Axos bank XXXX they've randomly closed our debit cards, sometimes all of that at the same time, at least over a half dozen times. No explanation is ever given. The debit cards on are different accounts, and yet they still often cancel all cards. Their notes say we authorized to do that, yet we've NEVER authorized such action, and they refuse to give any information on who or when it was authorized. They also have sent replacement cards to wrong addresses, but won't tell us which address they used. The ones that have been sent to the correct address only show up sometime.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Currently my account is in restricted status and I have been in constant contact with customer service, my local branch and have a representative XXXX from the executive office looking into the case. I have been trying to resolve this issue since Saturday XXXX, 2020 ( it's now Tuesday XXXX, 2020 ). Each representative of Chase has led me into rabbit hole after rabbit hole of holds that last for hours, explanations that hardly lead me to any resolution and none of them have asked for further information or documentation that could lead to any confirmation of my transactions. 
My account is being closed without prior notice or any direct contact to myself. Im being told that there is a possibility that I may only be eligible for {$1500.00} total when my account had a balance of over {$10000.00} when I had last checked. I spoke with my Chase XXXX agent XXXX and she said that the funds still need to be verified but did not ask for documents nor provided a secure link to provide documents to assist in verification. I asked if her negligence meant that she was alleviating herself and the company of any responsibility pertaining to my case and she seemed confused and stated that just even though the call was escalated, there was no way she could guarantee that the issue could be resolved. It is unacceptable that they are attempting to take all of the government assistance that Ive received during a pandemic and can not verify that those funds are indeed mine. And I know that there is a class action lawsuit pertaining to the company favoring preferred clients ( XXXX XXXX ). I then asked XXXX to assist me in securely accessing the {$1500.00} she had offered as my only available funds ( which barely covers my rent ) and she said that she could possibly either transfer it to my local branch ( which I listed ) or that I could get it through the mail. I reminded her that because of the current issues that the USPS is experiencing Id require a tracking number and a quote on arrival date. She could not provide either and rudely said she would call me back. That call ended at XXXX XX/XX/2020 and I have not heard back from her ( so she lied to avoid further confrontation ) and have not been able to directly speak to any local bankers from my local branch ( which again just makes all of this more difficult ). So as of now Im waiting for one of the Nations biggest banks to decide that my problems are worth their attention and as of now no one has made me feel even remotely confident that they are competent to do so.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (AR)

I had a default judgement file against me from XXXX XXXX XXXX XXXX which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.
Consumer complaint received 2021-04-07
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-07-21
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)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

I had XXXX since XXXX and was in the hospital on life support until mid XXXX. By the grace of XXXX I survived. In the mean time, my husband was trying to contact my creditors to let them know. He did not have my SS # or accounts numbers, only my name, DOB which is XXXX and Ph #. Amazon my account ends in XXXX was one of the few creditors that would not even talk to him because he was not authorized on the account. My husband said, they would not even look up an account because he told them he had little info and was not on the account. I finally was able to call Amazon Last Friday XX/XX/20. I spoke with a Supervior after getting the run around that Amazon stopped offer help to COVID impacted people on XX/XX/20. The supervisor understood what occurred and waived two late fees and told me if I pid {$39.00}. He took my payment of {$39.00} by phone! My account still shows {$100.00} past due! I WOULD NOT BE REPORTED AS PAST DUE TO THE CREDIT BUREAUS!!! Well guess what. I get a notice today I was reported as past due!! They need to fix my credit reporting ASAP!!! It is not my fault they would not talk to my husband and give me help on my account when he clearly called before they stopped offering help while I was on life support!!!
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

I writing because I pull my credit on XX/XX/XXXX found out about this collection from PENN CREDIT CORPORATION Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did reply back to my initial letter PENN CREDIT CORPORATION but they are still violating federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter on XX/XX/XXXX. So, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.